Mistakes to Avoid When Filing Bike Insurance Claim

Common Mistakes That You Should Avoid While Filing a Bike Insurance Claim

1. Not Calling the Police

After an accident, people avoid calling the police because they think it will cause some legal hassle. But if you want to claim insurance for damages from the accident, then it is very necessary to call the police immediately. The other person involved might want to solve things without the police, but you shouldn't agree to that because it's against the law not to report an accident. Also, you need a police report (FIR) to start the process of settling your car insurance claim with the insurance company.

2. Failing to Understand Your Policy

Not knowing your policy well. A big mistake people often make is not understanding their insurance policy completely. Before you make a claim, read your policy carefully to know what it covers, what it doesn't, how much it pays, how much you need to pay (deductible), and what you need to do to file a claim. Knowing all this helps avoid confusion and delays.

3. Panicking

If you have an accident, it's normal to feel stressed and panicked. However, getting stressed can make things worse. Try to stay calm and avoid arguing. Instead, focus on solving the problem and think about how to get out of the situation without harming yourself or others.

4. Leaving the Accident Spot

A big mistake people make during a car accident is leaving the scene or moving their car. To make sure your insurance claim is not denied, you should stay put and take photos of the accident as proof of your insurance claim.

These photos may also demonstrate that you were not at fault when the police did an investigation. If you require medical intervention, get it without moving your car. Additionally, also try to find statements from witnesses to the crash (i.e., eye witness statements). This can help support your claim.

5. Not Changing the Insurance into Your Name

If you buy a used car and don't put the insurance policy in your name, you won't be able to claim any damages. The insurance won't work because it's still in the previous owner's name. The person who sold you the car should transfer the insurance within 14 days of the sale. Make sure to finish all the paperwork to put the car in your name to avoid having your claim denied.

.6 Driving After Drinking or Using Drugs

If you have an accident while driving under the influence, you could hurt yourself and damage your car. Your insurance claim will be rejected because the policy does not cover accidents that happen when you are intoxicated.

7. Not Considering Claim Deadlines

Insurance policies have set times by which you must file a claim. If you miss these deadlines, your claim might be denied. Make sure you know the deadlines in your policy, including how soon you need to report the incident and when to submit any required paperwork. Follow these deadlines closely to avoid problems and make sure your claim is accepted.

Conclusion

Now that you know what mistakes to avoid when filing your claim, make sure you follow the rules to make the process smooth and easy. Also, understand what your insurance covers and what it doesn’t to avoid problems when making a claim. Remember to renew your policy on time to prevent your claims from being denied.