How to Avoid Issues with Group Personal Accident Claims 11^th February 2026

Your Group Personal Accident insurance is designed to support you when the unexpected happens. However, sometimes claims face delays or may not get approved because of avoidable factors like not wearing a helmet or forgetting to fasten your seatbelt.
The good news? These situations are easy to prevent. By following a few simple road safety practices, you can stay protected and ensure smoother claim processing when needed.
Let’s look at some habits that can make a big difference.

9 Road Safety Tips for Safer Journeys

1. Wear a Helmet Every Time You Ride
Whether you’re riding a two-wheeler or sitting as a pillion passenger, always wear a helmet. It protects you from serious head injuries and reflects responsible riding. Not wearing one may be seen as negligence and could affect your claim.

2. Avoid Drinking and Driving
Driving under the influence is both unsafe and illegal. Alcohol impairs judgment and reflexes, increasing accident risk. If intoxication is found to be a factor, it may impact your claim assessment.

3. Always Fasten Your Seatbelt
Seatbelts save lives, whether you’re in the driver’s seat or the back. Make it a rule to buckle up every time. Not using a seatbelt could raise questions during claim review.

4. Follow All Traffic Rules and Signals
Respect traffic lights, stop signs, and pedestrian crossings. Following traffic rules demonstrates responsible driving and helps ensure that your claim isn’t affected by avoidable violations.

5. Maintain Safe and Legal Speeds
Over-speeding is one of the most common causes of accidents. Staying within speed limits keeps you and others safe, while also helping avoid complications during claim evaluation.

6. Take Breaks When Feeling Tired
Driving when fatigued can be just as risky as driving under the influence. If you feel sleepy, stop and rest before continuing. Staying alert helps prevent accidents and possible claim issues.

7. Keep Your Phone Aside While Driving
Using your phone while driving is a major distraction. Stay focused on the road — a few missed calls are better than taking unnecessary risks that could complicate your claim.

8. Check for Medication Side Effects
Some medicines can cause drowsiness or dizziness. Always check with your doctor before driving if you’re on medication. A small precaution can go a long way in keeping you safe.

9. Cross the Road Responsibly
Road safety applies to everyone. As a pedestrian, use designated crossings and stay alert. Responsible behavior on the road protects you and helps avoid unwanted complications.

Why These Habits Matter
Your Personal Accident policy is designed to support you during life’s toughest moments. By making safety a daily habit — wearing helmets, fastening seatbelts, following traffic rules, and avoiding distractions — you not only protect yourself and others, but also ensure a smoother claim experience when you need it most.