How Can I Claim Scooty Insurance?

You must have heard the common advice that you should purchase a scooty insurance policy for your vehicle, in case of any unforeseen circumstance such as an accident, natural calamity, or even a man-made calamity. These events can occur without a moment’s notice and owning a scooty means that you will be at the receiving end of damage. With a scooty insurance policy, you can easily protect yourself financially in such situations. It is crucial that you know how the claim process works in different scenarios:

How Can I Claim Scooty Insurance?

The following are some different scenarios in which you would have to claim insurance for your scooty:

• Third-Party Insurance Claim

• You must immediately inform your Scooty insurance company in case of an accident involving a third party.
• You are not able to jointly settle a claim unless you inform the insurance company.
• You must also inform the local police station before filing a claim. This is required as per law, and also, the details of the FIR (First Information Report) will be required for the claim settlement process.

• Own Damage Insurance Claim
  • If you or your vehicle incurs damage, you should get medical aid immediately and take note of all the details such as the time, place, and names of all people involved in the accident, in order to aid with the claim process.
  • If the damage involves any malicious act, make sure to inform the local police station and file an FIR accordingly.
  • Do not try to alter any of the evidence until it has been assessed and inspected by the insurance company.
  • Inform your insurance company at the earliest possible moment and submit all the documents required, alongside the police report.
  • Following this, your claim will be assessed for veracity and if successful, you will be compensated.

• Insurance Claim In Case Of Theft
  • The first step would be to inform your local police station and file an FIR.
  • Following this, inform your insurance company.
  • You will also need to inform your local Regional Transport Office (RTO) about the theft of your scooty.
  • Provide any required details such as the make and model, colour, and other details of your scooty, along with details of any personal items.
  • The police will conduct an investigation and if they are unable to recover your scooty they will provide you with an NTC (Non-Traceable Certificate), allowing you to claim compensation for your stolen vehicle from your insurance company. The compensation will be based on the IDV (Insured Declared Value) of your vehicle.

Takeaway

There are a variety of scenarios in which you would need to file a claim for your scooty, and thus it is important to know about the various details involved in these situations. You are now equipped to file a claim for your scooty should you ever need to.

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.