Circumstances when we cannot claim money for two-wheeler accident

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Circumstances when we cannot claim money for two-wheeler accident

Transportation with a two-wheeler is prevalent for several reasons, like pocket-friendly and joyful. Having two-wheelers brings so many responsibilities and joy, like you must know how to use hot start on dirt bike, the basics of wearing a helmet, and claims that you will get if met an accident. Most Indians prefer commuting by motorbike, and it is the most popular mode of transport because the bicycle can travel through narrow streets and heavy traffic. When you think of two-wheelers, they are inexpensive, which is why many people buy these bikes.

However, there is no doubt that the ease of being a cyclist has its own set of negatives. One of the reasons is your security. The dangers of cycling are well known to almost everyone. This is the poor condition of roads in India and elsewhere, as many of them are dangerous, and cyclists move quickly on these roads, leading to severe accidents. Especially in monsoons, when the roads become slippery, it is almost impossible to maintain your bike. Over the past few years, there has been a worrying increase in collisions caused by cyclists. Accidents that result in serious injury not only result in permanent or temporary injury but can also result in death.

As you realize how serious the problem of accidents has grown over the years, everyone must wear a helmet when riding a motorcycle. Protecting your head while cycling is crucial as sudden head injuries from an accident can now result in fatal injuries. This means that you and other cyclists should wear ISI-certified helmets. Put, wearing a helmet can change your life!

Please note that your claim for bicycle insurance may be denied when documentation states that you did not wear a helmet at the time of the accident. This is the most crucial aspect to consider when cycling, and the second most important thing is to get an insurance policy that will cover it. Under the Motor Vehicle Act 1988, all vehicles traveling on Indian roads must have motorbike liability insurance.

In the event of an accident, you are obliged to pay for medical expenses and the cost of repairing your vehicle. These costs can put a brake on your finances and can be a considerable cost to your budget. Consider applying a comprehensive, third-party policy or policy to prevent this from happening. This is a contract between the insurer and you. Your insurer covers the cost of repairs and medical expenses as a condition for the premium you must pay annually. Having third-party insurance for bicycles is a legal requirement by law. However, it makes sense to have a good insurance plan. If you can estimate the loss you might incur in an accident that is serious and can calculate it, that is more than the premium you are paying. Additionally, if an accident results in injury or death to a third party, the insurance company will assume legal obligations. Even so, there are still cyclists riding bikes with an insurance policy.

The consequences can be devastating. There are penalties if it turns out that you don't have an insurance policy. Many people travel without a valid policy, which can cause trouble. It would be best to renew your policy before the expiry date to ensure you don't have any problems afterward. Online auto insurance renewal and purchase can be made with just a few clicks, so why wait and find yourself on the wrong side of the law?