You might be under the impression that filing a two-wheeler insurance claim is as easy as a car insurance claim. However, it could be a little more complex. You might get something or the other wrong and your claim could be rejected by the insurance company. It is important to understand what a third-party claim is and the mistakes to avoid while filing for the same.
What is a third-party insurance claim?
Third party insurance for two wheelers is made mandatory in India. Any owner of a two-wheeler, which caused an accident is liable for the injury or damage caused to the third party. This is a claim, which is designed to protect the owner of a two-wheeler from untoward incidents.
Issues with third-party insurance claims
Most of us are not happy about filing a claim when a two-wheeler is hit by another vehicle. This is mainly because of the chance of mistakes that we could make while filing for the claim. However, the process is simple. An FIR is a mandatory document, which will support the claim. Hence, contact the police first and file an FIR. You then need to inform the insurance company at the earliest. Take photographs at the scene of the accident as it will work as evidence in a great way. Try to note down the numbers and names of the witnesses who can help prove the claim. Always be honest with the company and register the case with the special Motor Accident Claims Tribunal Court. Most importantly, keep detailed notes of the conversation and save all the receipts about the claim.
Mistakes to avoid while filing
You should avoid these mistakes in order to ensure that you abide by the motor insurance claim process.
Running away from the scene of the accident
Let your vehicle be where it is. Do not move it from the scene, and instead, check for medical aid nearby.
Avoid skipping to call the police
It is important to call the police if there is an accident. An FIR will help you file the claim and it is an important step.
Avoid getting stressed
This is easier said than done but you need to stop being stressed or aggressive. Do not accept the blame or the liability of the accident.
Do not ride the two-wheeler under the influence of alcohol
If it is found out that you had been riding the two-wheeler under the influence of intoxicants or alcohol, it will cost you the claim. Also, do not employ the two-wheeler for commercial use.
Do not sign any release to the company
Do not take this step until you gain legal advice and believe that the estimated value given by the company is ultimate.
Do not miss out on any post-accident formalities
You need to adhere to the claim-filing process and the time limits. You should collect the documents and file a claim as early as possible.
Lastly, never accept a check which reads ‘final payment’ until you are ready to. As you can see, the process is tedious, but it is worth it. If you have recently purchased a new two-wheeler, you can get two-wheeler insurance online with minimal documentation requirement. It is a simple and straightforward process.