Wearing Branded & Certified Helmets Simplify Insurance Claims, Here’s How

If you have ever been in a situation where you had to apply for an insurance claim you know the convoluted process followed by insurers to ascertain whether you were on the right side of the law. Even a small transgression can lead to your insurance claim being invalidated. One of the simplest reasons behind insurance claims being rejected is using non-certified helmets.  

Almost every country in the world has mandated the use of branded and certified helmets for riding two-wheelers and failure to adhere to it is usually a common reason why people don't get the insurance money they deserve. Here is everything on the topic you need to know. 

Is wearing the proper helmet the only criteria for pay-out?

Definitely not, but wearing the right helmet definitely helps. One of the primary questions in the investigative process is whether the involved party was wearing a certified helmet. It is a basic rule mandated by law and failure to follow it raises more questions on the person’s negligent attitude. So, not wearing a helmet, or wearing a helmet without the proper certification might not seem like a big issue to you at the outset but it has a definite impact on your claim. 

What other factors are investigated?

In addition to wearing a certified branded motorcycle helmet, the other things that will be checked during the investigation are:

1. Was the rider riding within legal speed limits? 
2. Did the rider follow all the basic steps to check for traffic before turning?  
3. Was the rider using applicable hand and electronic signals before maneuvering? 

Was the rider riding under the influence of alcohol?

So, make sure that you are doing everything right in order to make your claim strong and give it the best chance to work in your favor. 

Understanding the concept of partial responsibility 

Let us consider a situation. Say you were riding a motorcycle without a helmet. A speeding car hit you from behind and you sustained an injury to the head. When you apply for insurance reimbursement, the insurer will argue that even though the injury was caused by the car driver, you were partly responsible for the injuries which would not have happened had you been wearing a certified and branded motorcycle helmet. 

So what should you do? 

Ensuring that your insurance claim is met with a positive response and you get the maximum amount of money you can get, do the following: 

1. Always wear a branded motorcycle helmet that has been certified by the applicable safety authority in your country 
2. Follow all the rules and regulations on the road, including the legal applicable speed limits
3. Whenever possible keep a visual record of your rides to substantiate your claim