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Thread: Motor Vehicle Insurance And Claims

  1. #21
    Rusted Aryan's Avatar
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    Topic Moved and Approved.

    @Shyam: Please do not post in "ALL-CAPS" as posting everything in CAPITAL letters is considered as 'shouting' and you are liable to be infracted/ banned for doing so. Please take care of this in the future.

    Thanks.
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    F.i.r. is not Compulsory
    Just Me And Her [ZMR]

  3. #23
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    may be but in case u have crash to some1 outside n in that case may be u need to give a f.i.r .......

    because if he will clam then insurance company will check all legal docs ...
    AutO RacinG, Bull FightinG, and MountaiN climbing are the only real SportS ... all others are GameS.

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    Rusted aargee's Avatar
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    First Information Report (FIR) is not mandatory unless you're filing a case against someone responsible for the damage. Incase FIR is being filed, supporting evidences in form of AR (Accident Report), hospital bills (in case of injury) will add strength to the case. Also after filing FIR, one has to take the vehicle to applicable RTO for the inspector to inspect & certify the damage.

    PS - Posting entirely in capital letters is considered as yelling in public forum; avoid SMS language as it is prohibited in this forum.
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  5. #25
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    Quote Originally Posted by shyamsharma View Post
    may be but in case u have crash to some1 outside n in that case may be u need to give a f.i.r .......

    because if he will clam then insurance company will check all legal docs ...
    Yup.

    I have had few minor accidents/scratches in my car, I generally give the car to dealers (Claimed at Indus, A.M Motors) with the insurance claim fee of 500 and they take care of everything. It should be same with the motorcycles too.
    Peace \m/
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  6. #26
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    Smile sorry

    sorry bhai it will never repeat again , as i doesn't know about that thing but after aryan bhai post i got to know about always caps on is not allowed.

    n short cut key not allowed from you bhai thanks for the point .........
    AutO RacinG, Bull FightinG, and MountaiN climbing are the only real SportS ... all others are GameS.

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    how much insurance company offer on the damage part of the engine..........

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    Rusted tibby's Avatar
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    Quote Originally Posted by ch.madhur View Post
    how much insurance company offer on the damage part of the engine..........
    Insurance companies would cover only physical damage I think.
    For damage to engine, claim it from manufacturer if bike is under warranty, or pay out of your pocket in case warranty is over.

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    Addicted Zamaan's Avatar
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    Dont type in caps lock and see for spelling mistakes ! Nicely written otherwise and its informative !
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    Quote Originally Posted by shyamsharma View Post
    hey guys ANY 1 having any IDEA about how to do INSURANCE CLAME after something happen to bike .

    what i know is first give a F.I.R to the local POLICE STATION .

    then inform the INSURANCE COMPANY .

    N then to the SERVISE CENTER WHERE you SERVISE ur BIKE .

    LEGAL DOCS ;

    1. REGD BOOK
    2. INSURANCE COPY
    3. VALID DRIVING LICENCE
    4. TAX TOKEN

    AFTER INFORMING THE INSURANCE COMPANY , THEY WILL SEND A SURVEYER

    TO SEE THE VEHICLE , WHAT TYPE OF DAMAGE IS THERE , WHAT PARTS YOU HAVE CLAMED THEN HE WILL SEND THE REPORT TO LEGAL DEPT .
    AFTER THAT ITS THEIR DUTY TO CLOSE THE CLAME AS SOON AS POSSIABLE .

    BUT NOTE THEY HAVE * CONDITIONS APPLY FOR CLAME .

    THERE IS A LIST OF THAT IN BACK SIDE OF UR POLICY .

    SO DO ALWAYS UPDATE UR DOCS OF UR VEHICLE .
    N READ THE FOLLOWING CONDITIONS CAREFULLY

    HOPE THIS WILL HELP U IN UR LIFE .........

    NOTE ANY MORE POINTS REGARDING TO THIS WILL BE HIGHLY APPRECIATED.
    U got everything right but by personal experience some tips..
    if u take a FIR saying accident with some other vehicle insurance agent will sometimes want to see with which vehicle u crashed! so what i did when i met with an accident was that i claimed saying i hit a dog and fell, claimed through my garage not showroom(claiming from showroom can turn out quite a hole in our pocket and adjustments wont be possible although procedure will be simple!) .so this is quite clear! i just lied abt some area ! (make sure the lie doesn change) and thats all. agent comes and says to which all part warranty can be issued after close inspections (break anything u want new )after he issues buy those parts only(dnt buy what he hasn issued cos he wont pay u for it) and call him up, he'll come n take a look at old broken parts which were replaced and ask u to collect a cheque from office after showing some id. all done.
    Last edited by samarth14feb; 09-09-2010 at 07:54 PM.

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