How to Claim Compensation for Motorcycle Compulsory Insurance?
2 Answers
The procedure for claiming compensation under motorcycle compulsory insurance is to call the insurance company's customer service hotline to report the incident. The policyholder must approach the insurance company for coverage, and the insurer is unconditionally obligated to underwrite the policy. For new vehicles insured with compulsory insurance, the policyholder needs to bring the vehicle purchase invoice and the owner's ID card when applying for insurance.
My experience with the compulsory insurance claim for my motorcycle went quite smoothly. Last summer, while riding home, I accidentally slipped and scraped a parked car by the roadside. The other car owner came out to argue, so I immediately called 122 to report the incident. The police arrived, recorded the scene, and issued an accident certificate. Then, I contacted my insurance company to file a claim. The customer service asked for my policy number and basic details. Two days later, I went to the insurance company’s branch to submit the required documents: copies of my ID, driver’s license, vehicle registration, and the accident certificate. After their review, they compensated the other party’s repair costs within a week. The key is not to delay—act immediately after the accident and ensure all documents are complete. Compulsory insurance mainly covers third-party losses; if you’re at fault, you’ll still need to pay out of pocket. Afterward, I realized staying calm is most important, and proper safety measures can reduce trouble.
