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Friday, 20 May 2022

How to Claim Insurance After an Accident in India?

 

How to Car Insurance After an Accident in India?



Even you are a good driver you could be involved in an accident and the outcomes are stressful. if you met through an accident you have to concern that you are safe and others too. Follow the rules and start the insurance claim process. You should immediately inform your insurance company and follow the procedure properly to claim car insurance after an accident. ou should work properly with your insurer properly which is crucial for your claim car insurance.

The traffic density in India  is very high due to lots of vehicles though you drive safely and follow the traffic rules there are unavoidable trouble that occurs. The process of claim for car insurance after an accident has evolved over the years. The enhanced Technology and digitalisation of various transactions have made it simpler to follow procedures. Read the article to know what steps you should follow after you met an accident.


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:

Take some clear and good pictures f the damage and the place were accident held.Ensure that in the photographs damages are clearly visible so that the insurance company will be able to examine the extent of damages and settle the claim.

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 car insurance policy.

  • 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.

Third-Party 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.

At last be very calm at these situations keep your mind strong think about how will you handle it.

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