Bike Accident in Mumbai and Process to File Claim

A bike offers immense convenience, yet, at the same time, it is important to understand that the number of bike accidents in India has been constantly increasing. In fact, Mumbai ranks as the second city in India in terms of road accidents. This indicates how important it is to ensure road safety while riding two-wheelers in Mumbai. Thus, to stay protected against any road uncertainty or in case your bike is lost or stolen, you must have a bike insurance plan. In fact, according to the Motor Vehicles Act of 1988, it is a mandate to have at least a third-party bike insurance plan. In today’s blog, let us discuss bike accidents in Mumbai and the process to file a claim.

Common Reasons for Bike Accidents in Mumbai

Listed below are some of the common reasons for bike accidents in Mumbai:

• One of the most common reasons for bike accidents in Mumbai is rash driving. Most often bike riders ride bikes at high speeds which increases the risk of bike accidents.
• Another reason is when bike riders ride under the influence of alcohol or drugs. It is important to note that those riding under the influence of alcohol are also subject to paying fines as prescribed in the law.

Now, in order to reduce the number of bike accidents, there are certain traffic rules that you need to follow. A list of traffic rules for two-wheelers that you need to follow in Mumbai is as follows. In case you violate these rules, you need to pay certain fees and may even be imprisoned. So, you must adhere to the below-mentioned rules: 

• You must not use your phone while riding bikes in Mumbai. As per the Motor Vehicles Law, you can only use a phone for navigation purposes. 
• You must have a valid two-wheeler license as well as a bike insurance policy
• You must adhere to traffic lights and never skip traffic signals
• You must wear a helmet while riding bikes in Mumbai

Do I need Bike Insurance in Mumbai?

Yes, you must have at least a third-party bike insurance policy as stated under the Motor Vehicles Act of 1988. This is because bike insurance offers much-needed financial protection in case your bike is damaged, lost, or stolen. With third-party bike insurance, you can get protection against third-party liabilities, whereas, with comprehensive bike insurance, you can get protection against both third-party damages and standalone damages. 

How to File a Bike Insurance Claim in Mumbai?

In order to file a bike insurance claim in Mumbai, you need to follow the below-mentioned steps:

• The first step to raising a bike insurance claim in Mumbai is to inform your bike insurance company. You need to inform the insurer about the accident or if your bike was stolen or lost.
• After claim intimation, you need to submit different documents for the claim processing.
• A surveyor will be sent by the insurance company to assess the damage done to your bike.
• Once the inspection has been done by the surveyor and you have submitted all the relevant documents for claims, the claim processing will start. You can either opt for reimbursement claims or cashless depending on your convenience. In the case of cashless claims, the insurance company will directly settle the bills and on the other hand, if you opt for reimbursement claims, the insurer will first check all the bills and papers and then reimburse the total claim amount. 
• Finally, when the claim will be settled, you will receive an update about the same.

Documents Required to Raise Bike Insurance Claim in Mumbai

Listed below are the documents required to raise a bike insurance claim in Mumbai:

• Bike insurance copy
• Two-wheeler driving license
• A copy of FIR
• Bike registration certificate 
• Bike chassis number
• Motor tax receipts

Take Away

Thus, we hope that you now know about the bike accident in Mumbai and about the claim process. For any queries, you can contact us at InsuranceDekho.