Introduction
Accidents between cars and motorcycles can be complicated, and it’s important for drivers to understand claims rejected when car tries to claim against a motorcycle. Even if the motorcyclist is at fault, many drivers do not realize that insurance companies may deny claims depending on the type of policy the motorcycle owner holds.
Reasons Claims Are Rejected
Motorcycle Only Has Third-Party Coverage
- Basic motorcycle policies are usually TPFT or third-party only.
- These policies cover injury or death of third parties but do not cover damage to other vehicles.
Motorcycle Has First-Party/Comprehensive Without Liability
- Coverage applies only to damage to the motorcycle itself.
- A damaged car cannot claim on the motorcycle’s policy, even if the motorcyclist is at fault.
Impact on Car Drivers
- Claiming through first-party or comprehensive insurance may reduce the car owner’s NCD.
- Sometimes, cars with low sum insured may not fully cover repair costs.
Tips to Avoid Losses
- Check the type of motorcycle insurance (third-party or otherwise) before dealing with or buying a vehicle.
- Ensure your car has a sufficient sum insured to cover repair costs in case of an accident.
- Drive cautiously around motorcycles to reduce accident risk.
- Use platforms like BJAK to obtain clear policies and appropriate coverage.
Conclusion
Insurance companies do not automatically accept car claims against motorcycles, highlighting the importance of claims rejected when car tries to claim against a motorcycle. Car drivers must understand the type of motorcycle insurance involved and ensure their own sum insured is sufficient. Taking these steps helps avoid financial loss and protects the NCD.
Read More:
Car Damaged by Fallen Tree: Risks & How to Protect Your Vehicle
