Two Wheeler Accident Or Theft: Find Out What To Do!

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Two Wheeler Accident

By investing all your hard earned savings in the purchase of two-wheelers, it is your responsibility to keep it protected from any physical mishap. Irrespective of the mandate traffic rules, a majority of people still end up breaking those which eventually lead to road accidents. Due to the rapidly increasing rate of road accidents, the compulsion on two-wheeler insurance has been regularized by the Motor Vehicles Act, 1988. Investment in two wheeler insurance ensures that you are covered in times of incidents like accidents, burglary, and so forth.

In case you are caught up in an inevitable situation pertaining to accidents and thefts, then keep reading to find out what you should do at that moment:

What to do in the case of an accident?

Similar to the unpredictability of life, an accident takes place unknowingly. At the time of an accident, a majority of people panic and forget to take the next pro-active steps amidst all the chaos. Having said that, taking further actions is especially important if you own a two-wheeler insurance policy as it keeps you on the right track during a two-wheeler accident. Hence, follow these steps given below in order to stay protected in the case of an accident:

  1. Check for any physical injuries on your arms and leg. If any, then immediately call for an ambulance in order to save the lives of the people involved in the incident.
  2. Move your car aside in order to prevent traffic jam further. However, if your car is not in the middle of the road, then leave it as it is for the surveillance of the insurance company and the police.
  3. If it is a major scene and the damage is huge, file a report to the police. The report will simply help you to get your claim process started with the general insurance company.
  4. Contact the insurance company in order to inform them about the incident. Moreover, inform the company if there is any third party involvement.
  5. After the company has been intimated, the surveyor inspects the spot of the accident, checks with the witnesses and police in order to confirm the same.
  6. Make a claim settlement with your insurance company after the accident in order to cover for the losses.

What to do in the case of a theft?

Theft or a burglary can come as a shocker in life. The lifelong savings that you invest in purchasing your dream vehicle goes vain after your two-wheeler is stolen. In order to prevent yourself from a breakdown, it is important to make a claim in such an incident. Follow these steps given below that will help you to breathe easy even at times of a heart-wrenching event like burglary. Take a look:

  1. Register a complaint or FIR immediately after you find out that your motorbike has been stolen. Rush to the nearest police station in order to do so.
  2. Once you have reported the incident to the police, file an insurance claim with your insurance company. Fill in the details of the policy and the bike in the claim form to get the process started.
  3. Inform the Regional Transport Office (RTO) about the theft and complete the formalities in order to attain the RTO transfer papers and other important documentation.
  4. Submit all the mandatory documents like the insurance policy documents, claim settlement form, FIR copy, RTO letter, registration certificate of the two-wheeler, and RTO transfer papers.
  5. After receiving a non-traceable report from the police stating the theft of the bike, the insurance company will reimburse the amount to the policyholder.

Now that you know what exactly to do post the theft or an accident, what are you waiting for? If you are stuck between either of the two scenarios, contact your insurance company immediately in order to get professional help. A professional will help you even if you have opted for a two wheeler insurance online or two wheeler insurance renewal online. Having two-wheeler insurance in times of need proves beneficial without wasting a single penny from your own pockets.

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Insurance