How to Car Insurance After an Accident in India?
Car Accident Insurance Claim After an Incident:
The procedure of claiming a car insurance is performed very carefully and understandably. Below there is a step-by-step information about insurance claim:
1. Inform Your Insurance Company:
Inform your insurance company about the accident and give whole detailed information also damages to the car you have to make sure that you have told every minor details to the insurer as it will be profitable while settling claims.
2. File an FIR with the Police:
Inform the police about the accident and file a First Information Report (FIR) if required. It will be required in case of theft, road accidents or fire. You will not require FIR for minor scratches and dents. And you also require a third party involved in accident.
3. Take Pictures:
4. Submit Required Documents to the Insurer:
In the process there are some mandatory documents required such as a copy of the insurance policy, FIR, the owner-driver’s Driving Licence, a copy of the Registration Certificate of your car, etc. Make sure that you submit all the documents to the insurer which makes the work easy and hassle-free.
5. Get Your Car Repaired:
Take your car to the garage and get it repaired or not you can also ask the insurance company to get your car fixed. If the insurer approves your claim you either get refund or compensate for the loss.
6. In The Case of Theft:
If your car is stolen inform the insurance company and file an FIR at the local police station. Submit the documents RC, your DL, FIR to the insurance company. IF the police is not able to find your car within a reasonable time they will issue a non-traceable certificate. So then insurer will settle the claim an pay you the current market value of your car.
Documents Needed for Car Accident Insurance Claim:
Important aspect while raising a claim on your car insurance is to submit the required document
Copy of your .
Copy of FIR
Copy of the driver’s driving licence.
Duly filled and signed claim form.
Original repair bill, cash receipts, etc.
Copy of your car’s Registration Certificate (RC).
Medical receipts in case of physical injuries.
Own Damage Claim
IF you have a comprehensive car insurance in which it covers your damages but you can raise a claim for your vehicle damages. Following we have provided steps that how you can claim for the car insurance if you have comprehensive insurance
Step 1: Tell your insurance company about the accident and the damages to your property.
Step 2: File a FIR at the local police station.
Step 3: Submit required documents to the insurance company.
Step 4: Get a assessor to inspect the car and settle the claim.
In case in the accident a third party has caused damages or injured by you or by your vehicle you can get the claim for medical expenses due to personal injury or property damage. There is no limit on the liability cover for injury or death and while for the property it is limited to Rs7.5 lakh. The Motor Insurance Claims Tribunal decides the compensation amount after process.
Below is the process to file the third party claim in all the scenarios:
Step 1: Inform the insurance company about third party accident and it's car insurance.
Step 2: Share the details with the company as soon as possible.
Step 3: Inform about the accident in police station and file a FIR and give all the details.
Step 4: The Motor Claims Tribunal will decide the compensation if it is a major accident.