If an accident occurs while driving without wearing a helmet, you may face a lot of difficulty in getting an insurance claim. The police will clearly mention in the FIR itself whether the deceased or the injured was wearing a helmet at the time of the accident.
New Delhi. Many accidents of two wheeler drivers without helmets happen every day in the country. One such case has come to the fore in Nashik recently where a 20-year-old boy was driving without a helmet and became a victim of a serious accident, with serious injuries on his head. But now he is facing a lot of difficulties in getting the insurance claim. Because recently, the Nashik Police of Maharashtra decided whether the two wheeler rider was wearing a helmet at the time of the accident, it will be mentioned in the records. Did you (two wheeler driver) already know this rule of insurance claim related to helmet.
Let us tell you that if there is an accident while driving without wearing a helmet, then you can face a lot of problem in getting the insurance claim. The police will clearly mention in the FIR itself whether the deceased or the injured was wearing a helmet at the time of the accident, depending on whether you get the benefit of the insurance policy or not. Under the traffic rules, it is absolutely necessary for two wheeler drivers to wear a helmet. But if you refuse to wear a helmet and unfortunately some untoward incident happens to you along the way, then your chances of getting any insurance are absolutely nil.
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Under Section 177 of the Motor Vehicles Act, not wearing a helmet by a two wheeler driver is considered negligence. In such a situation, now on the basis of the FIR of the police, in the event of an accident, the insurance companies give insurance claim only if the two-wheeler driver is wearing a helmet or not. Driving a vehicle without wearing a helmet is self-carelessness. Let us tell you that for the purpose of promoting the use of helmets, the administration often runs various programs. As the ‘No Helmet No Fuel’ formula is applicable in Noida-NCR adjoining Delhi with effect from June 1
According to the website of Reliance General Insurance, your bike insurance claim can be rejected if the police records mention wearing or not wearing a helmet. Insurance companies may do so on grounds of negligence or reckless behavior. However, two wheeler drivers are required to wear ISI certified helmets for safety reasons and as per traffic rules. Your claim completely depends on your bike insurance policy as well.
