In case of a hit-and-run, the vehicle driver that collides with your bike should ideally pay for the damages to your bike.
Hypothetically, if they flee the scene of the accident without acknowledging it, you may need help with what to do to get your bike insurance claims:
- Find the Criminal’s Information
If your bike is damaged in a hit-and-run incident, the first step is to remain vigilant and calm simultaneously. Do not pursue the offender, as you may lose access to key witnesses at the accident scene and cannot apprehend the offender.
Recording a vehicle identification number makes locating the vehicle owner’s information on the VAHAN website simple. In addition, this information will aid the police in gathering additional vital details regarding the accident.
- Identify Witnesses to the Accident
The next step is to locate the witness and speak with them. Find individuals who witnessed the entire accident site. Ask them if they would testify on your behalf and collect their contact information. This will improve your hit-and-run bike insurance payout.*
- Contact the Police and File an FIR
Place your damaged bike safely and contact the police to report the incident. In the event of a hit-and-run, you must submit an FIR to the police. After the case is submitted, the police will investigate and may locate the fleeing driver.
In addition, many insurers require their policyholder to submit a copy of the Police FIR to file a claim for third-party bike insurance. Therefore, you may be required to submit a copy of the FIR to the offender’s insurer.
- Check for Security Cameras
Locate any security cameras that may have documented the entire incident. Typically, highways are equipped with surveillance cameras. Take a copy of the footage if you discover any recording of the accident, as it will serve as evidence for you.
- Take Pictures of the Accident Site
Photograph the accident scene and your damaged bike. It will serve as evidence for the police investigation, after all. Additionally, these will assist the Bajaj Allianz bike insurance provider to approve your claims.*
- Notify Your Automobile Insurance Provider
It is your foremost responsibility to immediately notify your insurer of the incident. It will help you file claims for your damages under your comprehensive motorbike insurance policy. Send your insurer the photographs and CCTV footage from the accident scene.
Only move your insured vehicle from the accident scene once the surveyor arrives, examines the damage, and dispatches your bike for repairs.
How to File a Claim After you meet with an Accident?
You must first notify your insurance provider of the incident to file a claim for your damages resulting from a road accident covered by your comprehensive bike insurance.*
Notify your insurance provider, like Bajaj Allianz bike insurance, as soon as possible, as they will dispatch a surveyor to examine the situation and assess the damages. Depending on your preferences, they will dispatch your insured bike to a network or non-network garage.*
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* Standard T&C Apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.