Don’t worry after an accident! File claim online in these 5 easy steps, money will come directly into your account:

Auto Desk, New Delhi. Having an accident on the road is no less than a nightmare, but what is even more stressful is the long and complicated process of getting an insurance claim. Often, due to lack of information, people make small mistakes, due to which their claim gets rejected. In the era of Digital India in the year 2026, filing bike insurance claim has now become very easy. Let us understand the step-by-step process, which will save your time and get the money on time.

1. Safety and initial steps at the accident site

Don’t panic as soon as an accident happens. First of all, check the physical condition of yourself and others. If injured, seek medical attention immediately.

Caution: Park the bike on a safe side and switch off the engine. If the bike is not in running condition, call the ‘Roadside Assistance’ (RSA) service of the insurance company.

2. Police Report (FIR): When is it necessary and when is it not?

It is not mandatory to go to the police station for every accident, but in some situations FIR acts as a ‘Brahmastra’ for the claim:

FIR is necessary: ​​If the bike has been stolen, someone has died, serious injury has been caused or there has been serious damage to the property of a third party.

FIR not necessary: ​​If only minor damage is caused to your own bike and there is no dispute with any other party.

3. Immediate notification to the insurance company (Intimation)

Notify your insurance company as soon as you feel safe.

Time Limit: Generally it is mandatory to report within 24 to 48 hours of the accident.

How to: Use the company’s mobile app, website or toll-free helpline. Provide your policy number and a brief description of the incident. From here you will get a ‘Claim Number’, note it down for future reference.

4. Digital Evidence and Documentation

Nowadays, photos and videos taken from your phone are considered the biggest evidence for online claims:

What to capture: Photographs of damaged parts of the bike, number plate, accident site and if any other vehicle is involved.

Documents required: RC of the bike, your driving license, policy copy and estimated bill of repair.

5. From Survey to Settlement: Cashless or Reimbursement?

After receiving the information, the company will appoint a surveyor who will assess the loss.

Cashless Claim: If you get the bike repaired at the company’s ‘Network Garage’, the company makes the payment directly to the garage. You only have to pay the file charge and deductibles.

Reimbursement: If you get the work done in an outside garage, first you will have to pay the bill, then after submitting all the original bills, the company will send the money to your account in 7 to 30 days.

Avoid these 3 mistakes, otherwise the claim will be rejected

Drunk Driving: If the driver was drunk at the time of the accident, the claim will never be paid.

Repairs without survey: Do not start work on the bike before the arrival of the surveyor.

Expired License: If your driving license is not valid, the insurance company will not pay even a single rupee.

Conclusion: Caution is safety, but if something untoward happens, correct information is your biggest support. Read the terms and conditions of your policy (add-ons) in advance so that there is no new headache at the time of claim.