United India Bike Insurance Claim

Required Documents for United India Bike Insurance Claim

• To settle a bike insurance claim, you need the following documents:In Case of Accidental DamagesDuly filled claim formCopy of the bike insurance policyFIR (if required)Repair bills and receiptsSurveyor’s reportRC (Registration Certificate) of the bikeDriving licence of the rider at the time of the accidentIn Case of Bike Theft ClaimsDuly filled claim formCopy of the bike insurance policyFIR copyNo Trace Report from the policeRC of the bikeKeys to the bikePurchase invoice for the bikeID proof of the policyholderIn Case of Third-Party ClaimsDuly filled claim formCopy of the bike insurance policyFIR copyRC of the bikeDriving licence of the riderAny legal notices received from the third party

How To Make United India Bike Insurance Claim?

• To Claim Bike AccidentStep 1: After the accident, take necessary measures to ensure your safety. Then, if needed, file an FIR.Step 2: Send your bike to a network garage for repair. The garage will initiate the claim process and send it to the insurer.Step 3: Then the insurer will send a surveyor to inspect the damages and analyse the situation.Step 4: After receiving approval from the surveyor, the garage will begin the repair work.Step 5: Once the repair is finished, the surveyor makes another visit to see the final work and issues a DO.Step 6: If you go for a cashless claim, the insurer directly pays the garage.Step 7: If you go for reimbursement, the insurer settles the bill with you based on the terms of your policy.To Claim Bike TheftStep 1: In case of theft of the bike, an FIR needs to be filed and informed to the insurance company without any further delay.Step 2: Submit all the required documents to the insurance company, along with the original keys of the bike.Step 3: The police issue a non-traceable certificate after a specific time given by them to locate your bike.Step 4: With that certificate, the insurance company will consider it a total loss and will return you the IDV value of your bike.To Claim Third-Party DamagesStep 1: If there is an accident and you hit somebody else's bike, inform the police and the insurance provider immediately.Step 2: If somebody hits your bike, just get his insurance details and claim it under third-party liability.Step 3: Then the case is sent to the Motor Insurance Claim Tribunal Court by the insurance company for getting the final decision regarding the case. Step 4: The matter is then taken to the tribunal court, which decides how much should be paid as compensation.Step 5: In case it is your fault, you follow the same procedure and then compensate the third party.Note: In the case of third-party damage, there are two aspects: in the case of a property damage case, compensation limits are drawn to ₹1 lakh. In the case of injury/disability or death, the compensation amount shall be determined by the tribunal court.

Common Reasons for United India Bike Insurance Claim Rejection

• Following are the conditions where United India can reject claims:Driving under intoxicationActs of negligenceDriving without a licence or an invalid licenceMisrepresentation of factsFiling fake claimsWrong claims on coverage amountAccident due to poor vehicle maintenanceInsufficient details were given for the claimThere is a delay in informing the insurer in case of an accident.