7 Tips to Keep in Mind in Case of a Two-wheeler Accident

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Despite government regulations and safe drive measures, accidents on the Indian roads have become inevitable. Keeping in mind certain tips might help an insured in case of a two-wheeler accident.   

To be eligible to drive a vehicle one has to go through a systematic driving test before receiving a learner’s license. Once you get a learner’s license, it takes another 6 months to convert this license into a permanent driving license. And after you get a permanent driving license, you become eligible to drive freely on the Indian roads. Despite all this, there are still many cases of road accidents taking place on everyday basis. And when an accident takes place, your two-wheeler insurance comes to your rescue by covering you against the damages.

In this blog, we are offering some tips that you must keep in mind in case of a two-wheeler accident.

7 Tips to consider in the event of a bike accident

Accidents on the roads in India has increased manifold causing thousands of deaths every year as well as making so many people crippled for life. Though the government orders numerous precautionary measures for driving on the road, still the increasing number of deaths due to accidents can’t be controlled. Two main reasons for the same are poor road conditions in India and the reckless driving norms of people. Hence, it is important for everyone driving a vehicle on the road to be extra careful and to know how to avoid bike accidents. However, if you still get caught up in any road accident, we are offering some tips in this blog to take note of after an accident.

1. Avoid accidents by adopting preventive measures

Rather than tackling with the hassles of the aftereffects of an accident, it is better to avoid such a situation by following preventive measures such as using helmet and other safety equipment while riding your bike. Further, it is also important to ensure that you buy a bike that is comfortable for you to ride rather than buying it by its appearance.

2. Ensure the safety of All

Despite all your bike accident prevention measures, if you get involved in an accident the first thing to check is the safety of all individuals involved in the crash. If there is a third-party involved, you must also ensure the safety of the third-party person. If required take the injured to the nearby hospital for immediate medical help. Once you ensure the safety of everyone associated with the accident, then you can carry on with the rest things like vehicle damage and all that.

3. Keep First Aid in the vehicle

Having a tiny first aid kit in the vehicle is important. Whether you are traveling to work within the city or going on a long trip on the road, you must always keep a handy bag of first aid with you to deal with any untoward situation on the road. Though bikes generally doesn’t offer a storage space so it is recommended to install a small storage box or a bag in the bike to keep your first aid essentials such as antiseptic, cotton roll, bandages, spray for pain relief, etc.

4. File a Police FIR

Informing the local police about the two wheeler accident and filing for an FIR is the next important thing to do. Explain them everything about the accident and how it took place. Share details like time and location of accident as well as the damages and injuries caused. This will help at the time of claiming a third party two-wheeler insurance for the third-party damages. Stay at the accident scene unless the local police arrives, else you might get into trouble for not informing law enforcement authority.

5. Capture images with your phone of the accident scene

Capturing images of the two wheeler accident scene and of the damages that took place in your bike or to the third party vehicle/property is also important. They serve as proof at the time of filing a bike insurance claim.

6. Inform the Insurance Company

Now the next task is to inform the insurance company about the two wheeler accident as soon as possible. Inform them about third-party damages caused if there is any. Provide the images of the accident scene for them to review.

The third-party insurance cover will help in managing the damages caused to the third-party. But if you have a comprehensive plan, you can benefit further. But be it any plan, you will still have a personal accident cover which is mandatory as per law. In case of any injury or damage of the insured person, the personal accident plan covers for the same.

You will require to submit certain documents to make your claim. These include driving license, bike RC, valid tax receipts, insurance policy proof, FIR copy etc. along with the claim form.

Also Read: Why Third Party Bike Insurance is Important?

7. Stay Calm

Do not panic and stay calm. Do not discuss anything about the two wheeler accident with anyone except the police. Sharing details with everyone might make things difficult in terms of claim settlement. Also, be humble with the third-party and do not make any hasty decisions. You stay calm as police and the insurance agency does their work.

Conclusion   

As already discussed, you know how to prevent bike accidents. But accidents are unforeseen and you can’t predict them. So if you get involved in any accident concerning your bike, try to remain calm and deal with the situation peacefully. Otherwise you might fall prey to unnecessary legal hassles as well as your insurance company might increase your premium amount. Try to control your emotions and be transparent to the insurers and to the police.

Moreover, accidents do not come with advance warnings, so it is important to be quick in your response while maintaining your composure.

Further, make sure to follow traffic rules, do not over speed, carry necessary documents and maintain safety on the road.

Also Read: How to Claim Compensation under Third Party Two Wheeler Insurance?

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Gayatri Prabhu, Head-Digital Business at Mahindra Insurance Brokers Limited (MIBL) is one those few digital leaders who has the width and depth that is required to execute an ROI driven holistic digital strategy. She cuts through the noise, identifies the critical levers and leads her team to successful execution of the defined strategy. Her core mantra to win new and retain existing customers is: understand the consumer behavior and craft experiences around it.

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