What are the Documents Required to Make a Bike Accident Claim in India?

The two-wheeler is one of the most commonly used modes of transportation in India. It is essential to get two-wheeler insurance that shields you from paying out of pocket for accidental damages to your bike or damages caused due to natural or manmade calamities. It should also provide coverage for theft and third-party liabilities.

If you are looking to raise a claim against your bike insurance policy or you want to know the process to submit a claim, read on as we explore claims and the documents required for bike accident claim.

 

 

Types of Two-wheeler Insurance Claims

In the event of a two-wheeler accident, it is important to inform your insurance provider immediately. Depending on your preference as the bike owner, you can make two types of claims:

1. Cashless Claims

After submitting a claim, you can get your bike repaired at a network garage affiliated with Shriram General insurance. The insurance company promptly pays the repair fees to the network garage, with you only having to pay the required deductible.

2. Reimbursement Claims

If your two-wheeler is damaged in an accident, you can take it to any desired workshop for repairs. Here, you need to pay the repair cost upfront to the workshop and then claim the money by submitting the necessary documents to Shriram General Insurance. We deduct the deductible and account for component depreciation as per the policy's terms and conditions, reimbursing you for the remaining amount.

 

 

Documents Required for a Bike Accident Claim

The submission of proper bike insurance claim documents is essential for a successful claim. The required documents for a bike accident claim include:

• Claim settlement form
• Copy of two-wheeler insurance policy
• Copy of the Registration Certificate
• Copy of First Information Report (if required)
• Copy of Driver's Licence
• Original repair bill copies
• Original payment receipts

 

 

How to Avoid Bike Insurance Claim Rejections?

Here are some tips to avoid bike insurance claims:

• File a claim for any circumstances and follow the bike insurance claim procedure as stated in the policy.
• Ensure timely renewal to maintain the validity of your coverage.
• Avoid claiming damages that lack supporting evidence.
• Provide accurate information and avoid false details.
• Adhere to the steps specified by the insurance company.

 

 

Tips for a Successful Bike Insurance Claim Settlement

To increase the chances of your bike accident claim being accepted and processed quickly, consider the following tips:

• Provide early notification

Inform Shriram General insurance as soon as possible about the incident for which you intend to file a claim. Delay in informing the insurer may result in claim rejection. Avoid repairing the motorcycle or scooter without notifying your insurance company and inspection by the appointed surveyor.

• Gather information

This is a very important tip to make your claim successful. You need to gather as much information as possible to support your claim, including photos, videos, and CCTV footage. These details will strengthen your claim and assist the insurer in approving your claim.

• Essential documents

Documentation is typically required when filing bike accident claims, and the specific documents may vary depending on the type of claim. Submitting the document required for bike insurance claim is essential to make the claim process straightforward.

For reimbursement claims, you will need a workshop bill invoice, address proof, and other relevant documents.

• Cooperation

During the bike insurance claim process, you must cooperate with your insurance company's executives. Be patient, cooperative, and honest while explaining the circumstances, whether it is about a specific dent on the motorcycle or how the accident occurred.

Don't rush the claim submission process, as it will lead to any mistakes. So, take time and do some homework and submit your two-wheeler insurance claim.

 

 

Conclusion

In the event of an accident, ensure you submit the correct bike insurance claim form to your two-wheeler insurance provider. Keep detailed written and photographic records of the losses you have suffered.

Now that the claim settlement process is fully online, it can be straightforward if you have the necessary supporting documents at hand. Remember to always drive safely to avoid panicking in the event of an accident.

 

 

FAQs

How can I renew my bike insurance after it has expired?

Once your two-wheeler insurance plan expires, you can conveniently renew it without hassle. Contact your insurance company or visit their official website to renew your bike insurance offline.

Can a claim be filed if my bike insurance policy expired just one day ago?

Unfortunately, filing a claim is impossible if your bike insurance has expired. However, you can renew your insurance policy to preserve your No-Claim Bonus and maintain coverage.

Is it necessary to have an FIR copy for all claims?

No. A First Information Report (FIR) is not required for all claims and is only necessary in the event of two-wheeler accidents and theft. For more information and clarifications, please refer to Shriram General Insurance.