Mistakes to Avoid When Filing Third-Party Two Wheeler Insurance Claim

Published On Oct 30, 2020 11:55 AM By InsuranceDekho

Everything you should know while filing two wheeler third party insurance claim to ensure successful claim settlement. Read along common mistakes to avoid when filing a third-party claim​​.

In bike insurance, the process of raising a claim for third party insurance damages with a Third Party or Liability Only insurance policy is simple, however, there are some common blunders which can lead to your claim being rejected. The aftermath of an accident in which damages to a third party have arisen require you to file a claim in time.

The claim settlement process involves the actions taken immediately after, such as informing the police and bike insurance company promptly, as well as the process of submitting the correct document in the days following. When all the documentation is submitted and the insurance company has verified your claim, the compensation would be made.

Common Mistakes To Avoid When Filing A Third-party Claim

Here are the common mistakes to avoid while filing a third party two wheeler insurance claim, to prevent a rejection of your claim:

1. Failing to Inform the Police

There can be a situation wherein the third party tries to settle the matter with you without getting the police informed. However, failing to inform the police in the aftermath of a road accident is illegal. Therefore, it is important to never neglect to inform the police and after getting the necessary medical help to everyone present, it should be your first priority to reach out to the proper authorities. Moreover, you would require an FIR (First Information Report) when filing a claim and thus failing to inform the police is a big mistake which would result in an unsuccessful claim and it should be avoided.

Also Read: Bike Insurance Details by Registration Number

2. Fleeing the Scene of the Accident

It is important never to run away from the scene of the accident or to move your vehicle away from the scene of the accident. This will disrupt the process of raising a claim and make it difficult for you to be able to be successful in the claim process. If medical help is required you should definitely arrange for the same but do not flee the scene and definitely do not move your vehicle.

3. Signing a Release Without Legal Advice

It is important never to sign any release from your insurance company without having a lawyer go over it first to make sure that the estimates provided are accurate. Never sign a release from your insurance company without legal advice, as you may not be given the best possible estimate for your claim.

Also Read: Fine for Driving Two Wheeler Without Insurance

4. Delaying the Documentation

Make sure that you give all the information required to the best possible accuracy and do not delay it. Doing so would be detrimental to you and could possibly lead to your claim being rejected.


It is important to follow the law and all the necessary regulations when filing a third party insurance claim for your two wheeler. There are some common mistakes which are made which can work against you and result in your claim being unsuccessful and thus it is important to be equipped with the knowledge of which procedures to follow in the aftermath of an accident when making a third party insurance claim.

Also Read: How to Get Duplicate Two Wheeler Insurance Copy Online

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.

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