How to file a motor insurance claim after an accident?

 


 The Indian government has made getting a motor insurance policy mandatory for all bike owners before they drive on Indian streets. And whenever someone drives on Indian streets, they expose themselves to potential road accidents as is true for any road in the world. To protect people and their bikes from the after-effects of road accidents, insurance companies offer motor insurance. Many people wonder how to proceed to make an insurance claim after an accident. We have come up with steps to help you with it.

  1. Inform the motor insurance company about the accident

Inform the car insurance online insurance company about the accident within six days of the incident taking place. If you inform the company after a particular period lapses, the insurance claim will not be considered. Submit softcopies of relevant documents like driving certificate, motorbike registration certificate, and so on to begin the claim settlement process.


  1. Lodge an FIR in the nearest police station

Lodge an FIR in the police station near to the place where the accident happened. The police will visit the accident spot, observe the bikes involved in the accident, and determine the real cause behind the accident. You will have to file a case in the Motor Accident Claims Tribunal that has jurisdiction at the place of the accident.


  1. Send photographs or videos of the damages to the motor insurance company

Capture photographs of the bodily injury, the damage caused to your bike, the spot of the accident—as these pictures will serve as proof of the accident. Also, note down the name and contact number of the witnesses as that information will be required in the claim settlement procedure.




 

  1. Submit required documents to the insurance company

Submit photocopies of all the crucial documents about you and your bike like driving license, bike registration certificate, and other documents to the car insurance company along with a copy of the FIR you lodged at the police station.


  1. The insurance company will send a surveyor

After you lodge a claim with the insurance company, they will assign a surveyor to assist you with the claim. He will visit the place of the accident, note the damages to the bike and the riders. He will bring a towing service to tow your bike to the nearest garage that falls within the insurance company’s network. He will do so to ensure no further damage to the bike. This process will conclude within 1 to 2 days of filing the insurance claim.


  1. Your motor bike’s damage will be looked after

The insurance company will cover the expenses for repairing your bike at their network garage. The insured does not need to bear the burden of these repair costs. Just bring your bike back home once it is repaired to its mint condition.

 

So, these are the steps to file a motor insurance claim after an accident. We hope that article about ‘four-wheelers insurance’ was helpful.

 

 

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