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Car Accidents in Bangalore and Insurance Claim

Team AckoApr 12, 2023

Bangalore has one of the highest numbers of car accidents, with thousands of accidents reported each year. This is a worrying trend, as it is one of the most populated cities in India. One of the leading causes of car accidents in Bangalore is overspeeding and road congestion. 

Car accidents can have a devastating effect on the victims and their families. If you or someone you know has been involved in a car accident, it is important to seek legal help and file for an insurance claim. For more information on how to file a car insurance claim in Bangalore, keep reading.

Car Accidents in Bangalore and Insurance Claim



Car Accidents in Bangalore

Bad road conditions, careless driving, poor traffic discipline or even the fact that the city has often been ranked as one with the worst traffic in India can all be attributed as reasons for car accidents in Bangalore. According to a survey conducted in 2021, the number of road accidents in Bangalore claimed the lives of 651 people. Most of these were due to car accidents.

Data further suggests that the most impacted age group in such road accidents is between 18 to 45 years, which also accounts for over 60% of the total deaths due to accidents in the city. 

Number of Road Accident Cases Reported in Bangalore 

Mentioned below is the car accident rate in Bangalore from 2018 to 2021:

  • Car Accidents In Bangalore - 2018:

Of the 69,490 road accidents in the country in 2018, Bangalore accounted for 6.6%, with a total of 4,611 cases, resulting in the death of 686 people. Of these, around 24% were car accidents.

  • Car Accidents In Bangalore - 2019: 

The year 2019 recorded a surge in road accidents in Bangalore, with a total of 4,684 accidents and 768 deaths. Car accidents in Bangalore accounted for 17% of these accidents. 

  • Car Accidents In Bangalore - 2020: 

In 2020, Bangalore saw a sharp decline in the number of road accidents, with a total of around 3,233 cases and fewer deaths (646) than the previous year. Out of these, car accidents accounted for 13.2% of casualties.

  • Car Accidents In Bangalore - 2021: 

In 2021, there were 3,213 cases of road accidents in Bangalore, with a total of 654 deaths. Less than 10% of all these fatalities were due tocar accidents.

Causes of Car Accidents in Bangalore 

Car accidents can be caused by a number of factors, including human errors, weather conditions, and mechanical problems. In Bangalore, some of the most common causes of car accidents include: 

  • Distracted driving: Drivers distracted by their cell phones or not paying attention to the road are more likely to meet with accidents. 

  • Speeding: Speeding is one of the most common causes of car accidents, especially in Bangalore, where traffic is often congested. 

  • Drunk driving: Drunk driving is a major cause of car accidents and is also illegal in India.

  • Poor road conditions: Poorly maintained roads can be a major cause of car accidents.

  • Mechanical problems: If a car's brakes fail or its tires blow out, it can often cause an accident.

Car Insurance as Protection Against Car Accidents in Bangalore

If you have been involved in a car accident in Bangalore, you must avail insurance for it. With the number of vehicles in Bangalore on the rise, there are greater risks of accident-related damages, including deaths. Therefore, it is important to insure your car, to stay protected against untoward incidents or losses. 

Further, as stated under the Motor Vehicles Act of 1988, it is important to have third-party insurance coverage for your vehicle. This insurance covers any damage by the insured car to a third party or their property. 

The following are some of the major advantages of car insurance:

  • It provides financial protection in the event of an accident

  • It can help you cover the costs of repairs or replacement of your car

  • It can provide you with peace of mind knowing you are protected financially in case of an accident

  • It provides legal and financial protection against third-party liabilities

What are the Documents Required to Make a Car Accident Claim in Bangalore?

If you have been involved in a car accident in Bangalore, you will need to gather a few documents along with a claim form to submit to your insurers. Some of these documents include: 

  • First Information Report (FIR), if required

  • Registration certificate of the vehicle

  • Insurance policy document

  • Photographs of the damage to the vehicle 

  • Driving licence of the driver

How to Buy a Car Insurance Policy in Bangalore at ACKO?

In order to make an insurance claim for a car accident in Bangalore, you need to have a car insurance policy in place.

Buying car insurance from ACKO is a quick and easy process. The steps to buying car insurance online are as follows:

  1. Visit ACKO's official website or download the mobile app 

  2. Enter the details of your car

  3. Select an insurance policy that suits your needs and preferences

  4. Pay the premium amount online 

  5. Download the car insurance policy document 

You can also renew your car insurance by following the same steps. 

Things to Remember

If you are involved in a car accident in Bangalore, the first step is to contact your insurance company and make a claim. It is extremely essential to have car insurance so that you can get compensation for any damages or injuries you may have sustained.  In cases where you are at fault for the accident, you can also save yourself the trouble of taking care of financial losses for any claims that have been made against you. Therefore, it is always suitable to have an insurance policy for your vehicle.

Frequently asked questions

Here are the answers to some of the common questions about car accidents in Bangalore.


How many days do we need to wait before claiming car insurance? 

You can claim car insurance between 1 to 7 days after the accident. While you can make a claim with your insurance company within 7 days of the accident, most companies have a window of 48 to 72 hours from the time of the accident to file a claim for car insurance.

Can I raise a claim for car insurance without an FIR? 

Whether you can raise a claim for car insurance without an FIR highly depends on the type of claim you are making. In case of road accidents leading to grievous injury or death of a third party, FIR is mandatory for raising a claim. On the other hand, if the accident results in minor damages, an FIR is not mandatory. 

Is a car accident considered to be a criminal offence in India?

Yes, a car accident is considered a criminal offence in the country. If the driver of the car causes an accident due to negligence and rash driving, which further results in the death or serious physical injuries to a person, they will be booked under Section 279 of the Indian Penal Code (IPC). 

Can I claim insurance if I damage my vehicle? 

You can only claim insurance in case of damages to your car if you have purchased a Comprehensive Car Insurance policy or an Own Damage cover with your policy.

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