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Bike Accidents in Kolkata and Insurance Claim

Team AckoApr 12, 2023

Kolkata is known for its heavy traffic. Motorcycles and scooters are major modes of transport in the city, which is why bike accidents are quite common. These accidents occur due to various reasons, including rash driving, speeding, heavy traffic, etc. With so many factors contributing to bike accidents, it can be difficult for victims to know where to go after being involved in one. Here's what you should know about making a bike insurance claim after getting in a bike accident in Kolkata.

Bike Accidents in Kolkata and Insurance Claim



Bike Accidents in Kolkata

Bike accidents are relatively common in Kolkata, occurring in every corner of the city. The most likely causes of these accidents include poor infrastructure, overcrowding, and pedestrians crossing against traffic lights. As the number of bike riders has increased exponentially over the last decade, so has the rate at which these accidents occur.

Number of Bike Accident Cases Reported in Kolkata from 2018-2021

Here is the data collected by the Indian government on the bike accident rate in Kolkata every year:

Number of Road Accidents Number of Deaths
2663 294
  • In 2018, there were a total of 2663 road accidents in Kolkata.

  • The number of fatalities reported was 294.

  • Among the total number of accidents, the number of bike accidents that ended in fatalities was 82.

Number of Road Accidents Number of Deaths
2500 267
  • In 2019, there were a total of 2663 road accidents in Kolkata.

  • The number of fatalities in Kolkata this year was 294.

  • Among the total number of accidents, the number of bike accidents in Kolkata was 647.

Number of Road Accidents Number of Deaths
1683 201
  • In 2020, there were 1683 road accidents in Kolkata in total.

  • The number of fatalities was 201.

  • Among the total number of accidents, the number of bike accidents in Kolkata was 444.

Number of Road Accidents Number of Deaths
1519 211
  • In 2021, there were a total of 1519 road accidents in Kolkata.

  • The number of fatalities in 2021 was 211.

  • There is not enough data for bike accidents that occurred in Kolkata in 2021. 

Safety and Bike Insurance as Protection Against Bike Accidents in Kolkata

Insurance is one of the best ways to protect you against bike accidents. Bike accidents usually occur due to carelessness, but prioritising safety will not only keep you safe from any mishaps but will also give you peace of mind. 

Often, people don't buy bike insurance until something bad happens and then regret it. Being proactive is better than being reactive. If you do get into an accident, it is necessary that you are aware of what to do and what your rights are, in order to make sure that you can handle the situation as best as possible.

Documents Required to Make a Bike Insurance Claim in Kolkata

You will need to upload the following documents when registering a claim for a bike accident:

  • Driving license

  • Registration Certification of the bike 

  • Copy of the bike insurance policy

  • Copy of your identity proof such as an Aadhaar card/PAN card or driving license

  • First Information Report (FIR), if lodged

  • Fire Brigade Report, if lodged

  • Original repair bill and payment receipts for the bike

How to Buy a Bike Insurance Policy in Kolkata at ACKO?

A bike insurance policy is a must for any bike owner. It not only provides financial protection against damages but also comes with other benefits that can improve your overall experience of owning and driving a bike, such as roadside assistance, loss of personal belongings, etc.

It is important to have your vehicle insured by a reputable insurance agency to remain protected in case of any unpredictable tragedy. ACKO offers simple and convenient solutions to help you buy affordable bike insurance online. Here's how to do it:

  • Simply visit the ACKO website or download the mobile app, and register using your email and phone number.

  • Navigate the website/app to find the option for purchasing the policy.

  • You will be presented with a variety of options for your vehicle insurance policy; click on the one that best fits your needs.

  • After confirming your choice, purchase the policy by entering your debit or credit card details.

You must also remember to renew your bike insurance regularly to remain protected from accidents, loss, and theft. To do so, simply login to the ACKO app or website using your valid credentials, navigate to your policy details, and click on 'renew policy'. Make the payment, and your policy will be renewed.  

Things to Remember

To summarise, with an increasing number of bikers on the road in cities like Kolkata and a high level of accidents happening every day, it is crucial that you protect yourself and your bike by taking out a bike insurance policy. With an insurance policy by your side, you can be assured that your bike will be repaired or replaced if it's damaged in an accident. Here are some things that you must remember if you are ever in a bike accident: 

1. No matter how skilled of a biker you are, accidents are sometimes unavoidable; it is dangerous to assume otherwise. Bike insurance is a great way to make sure you're always protected against damage or theft, as well as protecting from injuries during an accident.

2. If you are ever in a bike accident, make sure to take pictures and inform your insurance company as soon as possible. The more information you provide to your insurance company, the easier it will be for them to process any claims and help you get back on the road faster.

3. Seek medical treatment even if you don't think anything is wrong; sometimes, accidents can cause injuries that are not immediately apparent.

Frequently asked questions

Here are the answers to some of the common questions about two-wheeler accidents in kolkata.


How long after the accident can we claim our bike insurance?

You should try to inform your insurance provider as soon as the accident happens. If that is not possible, you should not delay beyond 30 days to register a claim for your bike accident. 

Can I collect the insurance settlement without filing an FIR?

Without an FIR, the insurance company will not process your claim. You must visit your nearest police station to file an FIR after the accident and share it with the insurance company when filing a claim. 

Is bike accident a criminal offense in India?

Accidents are exempted from being against the law, as of Section 80 of the Indian Penal Code. Even if the result of the accident was the intent of a crime, Section 80 excludes it from being an offence.

What is the average settlement time for compensation claims?

Timely settlement depends on how long it takes to receive the settlement once both parties agree on an amount. Typically the compensation takes anywhere from 2-4 weeks after the parties reach an agreement.

Can you have more than one claim at a time?

Generally, there is no limit to how many claims you can file in a year. In certain cases, insurance companies may refuse to renew policies or restrict coverage options if a certain number of claims are filed within a short period of time.

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