It is crucial to know the steps to file a two-wheeler insurance accident claim as accidents are unpredictable. Being prepared and aware of the bike insurance claim process can help you navigate through the situation smoothly and ensure timely reimbursement for damages. Let’s discuss the steps involved in filing a two wheeler insurance accident claim, empowering you to handle unexpected situations with confidence.

Steps to File a Two-wheeler Insurance Accident Claim

Below mentioned are steps to file a two-wheeler accident claim:

  • Prioritise Safety

Move to a safe location and check for injuries. The safety of yourself and others involved should be your primary concern after an accident. Seek medical assistance immediately if needed. Ensure that the accident scene is secure and does not pose a threat to oncoming traffic.

  • Inform the Authorities

Contact the police and inform them about the accident. It is mandatory to file a police report, especially in cases involving injuries, significant damages or third-party involvement.

  • Document the Accident

Take photographs of the accident scene, including the damages to your two-wheeler, other vehicles involved and any visible injuries. Gather as much evidence as possible to support your claim.

  • Notify Us

Inform Kotak General Insurance about the accident as soon as possible. Provide accurate details of the incident, including the date, time, location and a brief description of what happened. Promptly notifying will help you initiate the claim process and ensure timely assistance.

  • Gather Relevant Documents

Gather all relevant documents to support your claim. These may include a copy of your bike insurance policy, vehicle registration documents, driver’s license and the police report (if applicable).

  • File the Claim Form

Fill out the claim form accurately, providing all necessary information about the accident, damages and injuries. Double-check the form for completeness and ensure that all details are filled in correctly. Any errors or omissions may delay the accident claim settlement process.

  • Provide Supporting Documents

You may need to submit supporting documents, such as photographs of the accident scene, repair estimates, medical bills (if applicable) and any other relevant receipts along with the claim form. Ensure that you have copies of these documents and retain the originals for your records.

  • Co-operate With the Surveyor

A surveyor may be appointed to assess the damages to your two-wheeler. Cooperate with the surveyor and provide them with all necessary information and documents. Answer their questions truthfully and provide any additional details they may require.

  • Repair and Settlement

You can proceed with the repairs once the survey is complete. You may have the option to choose a network garage or a workshop of your choice depending on your policy. If it is a cashless claim, the payment with the network garage will be settled directly. If it is a reimbursement claim, retain all bills and payment receipts for submission


Being prepared and knowing the necessary steps can make filing a two-wheeler insurance accident claim more manageable, even if it is a daunting process. You can navigate through the unexpected and ensure a smooth and successful two-wheeler insurance accident claim process by following these steps.



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