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How to apply for car insurance after an accident in India?

How to apply for car insurance after an accident in India

Applying for car insurance after an accident in India – Driving a car on the highway allows you to travel miles, but the driver should be held responsible for it.

Despite the caution, accidents can happen on the road at any time. It could be an accident, theft, a fire, or some other unfortunate event. To get the most out of an insurance company, you should contact your insurance agent or company immediately. In all cases, you can claim benefits for damages and other causes, depending on the type and coverage of your auto insurance.

Documents needed for a car insurance claim

When processing vehicle claims, the policyholder must present certain documents to validate and accept the right to auto insurance. You must complete the insurance claim document with the submission of the required documents. These are the following documents required for the automatic insurance claim processing.

  1. Copy of the insurance policy.
  2.  First information report (FIR) presented to the police station
  3.  Copy of driver’s license.
  4.  Copy of registration

Additional documents in case of a refund request

  1. A brief estimate of the repairs.
  2.  Medical report for physical injuries
  3.  Original records from other editions

Steps to Take When Making a Car Insurance Claim After an Accident

To get the most out of your car insurance, notify your car insurance company and, of course, the police immediately about the accident and the severity of the damage.
If your insurance company determines that your claim is genuine, they will reimburse you after inspecting your vehicle or otherwise. Here are some steps to help you successfully claim your damages

Step 1: Notify the insurance company

Call your auto insurance company immediately and notify them of the incident first. Since the term is limited, you must inform the insurance company of the accident within seven business days. Otherwise, the settlement period for your claim is considered to have expired. To file a claim, you will need to submit important documents such as electronic copies of your driver’s license, a vehicle registration certificate, an FIR, and the first two pages of your insurance policy. You may also need a detailed letter to the Highway Traffic Office (RTO).

Step 2: Place an FIR at the nearest police station

Notify the police and file an FIR, as this is a mandatory step in automatic claims settlement when a third party causes events such as theft, fire, or traffic accident, including damage. FIR can be avoided in situations where the vehicle has dents and scratches. It is essential in case of personal injury or third party accidents. The police will visit the scene to identify faults and clearly distinguish whether or not the accident was due to a mechanical failure. All essential details of the driver, vehicle, passengers, and witnesses, or other aspects are also recorded in the FIR.

In addition, you must file a complaint with the appropriate court for damages for the traffic accident in which the accident occurred between you and the third party. It is only necessary if a third party is involved in an accident.

Step 3: Take photos as valid evidence

Some people prefer to proceed with a refund request. In such cases, it can be useful to capture the scene of events with a photo. They can take some photos of the accident that caused damage to your car, personal injury, etc., and serve as valid evidence of the claim settlement. In addition, you can write down the name and contact number of your cookies and of the third party (if any) so that they can help you with this process.

Step 4: Send all documents to the insurer

The next step after FIR is to resolve the claims. It can only be started after you have submitted all the important documents to the insurance company. Make sure to send all copies of documents like driver’s license, vehicle registration certificate, FIR, and other required information.

Step 5: Ask the insurance company to send an expert

File a claim with your insurance company and ask them to assign you a surveyor to begin a thorough inspection process. You can also file the claim online by visiting the insurance company’s website or other web portals if they offer such a service. In the event that a cashless claim is resolved, insurers will dispatch a representative to try to assess the significant damage to your car. He will help you with the proper network of the garage your car will likely be towed to. Towing is done by the insurance company to ensure that the vehicle does not suffer further damage. The examination generally takes place within one to two business days after notification of the auto insurance claim.

Step 6: car repair

Get your car fixed and start the damage process. Claims can be resolved in two processes. If someone prefers a cashless claim, they don’t have to pay the repair costs. In such cases, it is recommended to take the vehicle from the list of garages in the network prescribed by the insurance company. The insured only has to pay the deductibles and the rest is covered by the insurer. On the other hand, if someone requests a refund, they have to pay for all the damage out of pocket. In this case, you must present the originals of invoices, receipts, medical reports, photographs, etc. to the insurance company. The insurer reimburses the full amount of the repair after deducting all deductibles. Here the insured can repair his car in the preferred garage.

Once you have determined that your claim is genuine, your auto insurance company will reimburse you in accordance with the conditions set forth in your insurance coverage. The amount to be reimbursed and the events to be covered also depend on the type of car insurance you have. Liability insurance is mandatory in India under the Car Tariffs Act 2002 and only covers the cost of damage caused by third party involvement. Comprehensive auto policies offer more comprehensive coverage under one roof, and you can further enhance them with extensive add-ons.

The claim resolution process can be a bit complicated. Therefore, policyholders are advised to carefully read the insurance documents sent by the insurance company. All inclusion and exclusion reports are provided in detail. You can also get a third opinion from an attorney in this regard.


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