Steps to file third-party two-wheeler insurance claim

In India, if you need to file a third-party two-wheeler insurance claim, you must follow several steps. These include contacting your insurer such as bike insurance from Zurich Kotak General Insurance, collecting all accident documentation, gathering your insurance policy details, and ensuring accurate claim form submission. Here's more about it.

How to file third-party two-wheeler insurance claim?

Understand the basics of third-party two wheeler insurance claims:

Filing a third-party two-wheeler insurance claim in India involves a specific set of protocols to adhere to. Third-party insurance covers damages to a third-party due to an accident involving your two-wheeler. It is mandatory in India as per the Motor Vehicles Act, of 1988.

Involvement in an accident:

After an unfortunate event of an accident, it is essential to ensure the safety of all parties involved. Then, proper accident documentation is critical. The documents typically involve photos of the accident scene, police reports, witness statements, and other vital proofs. All these will support your third-party two-wheeler insurance claim.

Documenting the incident for insurance purposes:

Once you've gathered the accident documentation, next, carefully note down every detail. Remember, a slight error could delay the process or may even lead to a claim denial. Include specifics such as date, time, location, nature of the accident, third-party's injuries or property damage, etc.

Essential insurance policy details:

Accident documentation and reporting is one side of the story. The other equally critical aspect involves insurance policy details. Ensure to have all necessary information about your two wheeler's insurance policy like the policy number, coverage details, Insurers contact details, and so forth. The accuracy of these details will smoothen the claim process.

Inform the insurers:

The moment you have all the relevant details and accident documentation in place, notify the insurers about the incident. Ideally, you should inform them as soon as possible. Every delay increases the chance of claim rejection. Always share authentic information with insurers as any miscommunication may lead to unnecessary hassles.

Register the claim:

After informing your insurers, the next critical step is registering the claim. Your insurers will provide you with a claim form. Accurately fill out the form, as any wrong information can negatively impact your third-party two-wheeler insurance claim process.

Submit the claim form and other required documents:

Following the claim registration, the claim form submission happens. In addition to the claim form, you would also need to submit the necessary accident documentation. Always retain copies of everything you submit for future reference. Once your insurer receives all documents, they initiate the claim processing.

Wait for the surveyor's appointment:

Post claim form submission, your insurers will appoint a surveyor to assess the accident's damage. Cooperate with them, and be transparent. They can offer help and may speed up your third-party two-wheeler insurance claim.

Follow-up with insurers:

Don't forget to follow up regularly with the insurers after the claim form submission. The follow-ups help you stay updated about the claim's status. Do not hesitate to ask if you have any queries regarding your third-party two-wheeler insurance claim.

Settlement of the claim:

If everything goes smoothly, your insurers will approve the claim. Then, they directly compensate the third-party. If the third-party had already received any compensation from the court, then that gets deducted from the claim amount.

Conclusion

Navigating through a third-party two wheeler insurance claim in India is undoubtedly tricky, but it doesn't have to be nerve-racking. Staying calm, promptly taking care of the accident documentation, carefully noting down the insurance policy details and correctly filling and claim form submission to the insurers, could indeed lead to a smooth settlement of your claim.

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