All bike owners must have at least a basic third party insurance policy covering their two wheelers. Riding without this form of motor insurance means you are breaking the law. Now, while no one likes to think of unfortunate incidents in which they need to raise a claim, it is always good to be aware of the right steps that need to be taken. To help you out, we have listed down the steps that need to be followed for raising a third party insurance claim when you meet with an accident.
- Take account of the accident
As soon as the accident has occurred, take note of all the details that you can. Click pictures as evidence in your smartphone. Take these steps provided that you don’t have any injuries which need treatment first. Call for help from a friend or family member, if required.
- Call up your insurance provider
The next important thing to do is to call up your bike insurance provider. Meeting with an accident can be stressful and you may be confused. The insurer’s support staff will be able to offer you instant help and guidance with the steps you need to take to file a claim. More importantly, they will also advise you on the timelines you need to follow and the documents that you need to submit.
- Make an FIR
An FIR forms an important part of your third party insurance claim. Never neglect to file an FIR as soon as possible at the police station. You will need to show this FIR to the insurer as part of your claim.
- Report the claim to Motor Accident Claims Tribunal Court
Next, you must report your claim to the Motor Accident Claims Tribunal Court. Only this court is permitted to deal with such claims. Follow the procedure as advised by the lawyer and make sure to attend all court dates as given.
The compensation will be paid to the parties as decided by the court.
This is an overview of the procedure to be followed for third party insurance claims for bike owners. The process for car owners is also similar. It is advisable to always keep your insurer informed every step of the way so that they can guide you.
Do also bear in mind that it is extremely important to keep your bike and/or car insurance policy renewed each year. This way, you can drive your vehicle without worry of incurring penalties and also without fear of financial loss due to accidents.
You can easily buy online insurance for car or bike coverage these days. It just takes a few minutes to explore plans and pick the one that suits your needs the best. Moreover, online motor insurance policies are generally cheaper too. You can get an instant copy of your bike or car insurance policy in your email.
We hope that this article has helped improve your understanding of third party insurance claims today. Take care.