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Bike Insurance 1336 views March 17, 2019
Buying motor vehicle insurance is compulsory under the Motor Vehicles Act 1988. However, not many people are aware of the nuances of insurance, especially, about claims if and when required. This can be a cause of concern if your two-wheeler vehicle is damaged in an accident or due to natural calamities.
If you are looking for information regarding a two-wheeler insurance claim, you must realize that the insurance claim process depends on the type of claim you may have opted for while buying your Two Wheeler Bike Insurance In India, policyholders can opt for only two types of claims, viz.,
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If you are filing a two-wheeler insurance claim for the first time, it is important to keep in mind certain basic considerations that will ensure a hassle-free and expedited claim process:-
You must inform your insurance company about the damage caused and your intent to file the claim to cover the expenses on losses suffered. Inability to contact the insurance company can result in rejection of the claim made.
Lodging a complaint with the nearest police station becomes important in the event of your two-wheeler vehicle getting stolen or damaged owing to an accident. The insurance company mandates the submission of a copy of the FIR while filing a claim. In addition, submitting the FIR copy ensures faster claim settlement.
If your two-wheeler vehicle is partially or totally damaged because of an accident, it is important that you seek evaluation of the extent of damage that has been caused. You must ensure to get your two-wheeler vehicle inspected by an expert at an authorized garage within your insurance company’s network. Though you may get your vehicle checked at a different garage too, inspection at the authorized garage ensure seamless cashless benefits.
Timely intimation and submission of relevant documents are essential to quick claim settlement.
Whether you have bought a third-party liability cover or a comprehensive two-wheeler insurance plan, you would be required to submit the following documents for a trouble-free and fast claim settlement process. These include:-