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How to Claim Car Insurance After Accident India?
The traffic density India can be very high due to the sheer number of vehicle. you may drive safely and ensure you follow traffic rule, there may be unavoidable mishap. The process raise a claim for car insurance after an accident has evolved over the year. Technology and of various transaction have made t easier to follow certain procedure. on to learn what steps you need to take after accident in India.
Procedure For Making Car Insurance Claim Meeting Accident:
Claiming car insurance after accident requires understanding of the procedure registering the claim with your insurance company. Below is a step-by-step guide making a insurance claim:
1. Inform Your Insurance Company:
Make a call your insurance company inform them about the accident and give detailed information about damages to your car. Ensure you do not withhold information from your insurer as it may be counterproductive while settling claim.
2. File an FIR with the Police:
Inform the police about the accident immediately and file a First Information t if required. FIR is required in case of theft, road accident fire. You may not require an if it is for minor dents and . And you will require it when a third party is involved the accident.
3. Take Pictures:
Make sure you take enough picture the damage and the accident. Ensure the photograph are clear and damages are visible so that the insurance company will be able examine the extent of physical damage and settle the claim accordingly.
4. Submit Required Documents to Insurer:
To process the claim, the insurance company require such as a copy of the insurance policy, FIR, the owner-driver’s Driving Licence, a copy of the Registration Certificate your car, e you submit these document and work with your insurer a hassle-free experience.
5. Get Your Car Repaired:
You can take your car the garage to get repaired. Or, you can ask your insurance company fixed. the insurer approves your claim, you will either reimbursed or compensated for the loss accordingly.
Also, read: Constructive Total Loss
6. In The Case of Theft:
In case your car is stolen, informing your insurance company and file an FIR at the local police station. Submit document such as the , your , etc. to the insurance company. If the police are not able to trace the car within a reasonable time frame, they will issue -traceable certificate. insurer will then settle the claim and pay current market value of your car.
Document Required To Make Car Insurance Claim:
One of the most important aspects raising claim on your car insurance is submit the required document. Below is the list of document required while raising a insurance claim:
Copy of your car insurance policy.
The First Information Report (FIR) from police.
Copy of driver’s driving licence.
Duly filled and signed claim form.
Original repair bill, cash receipt, etc.
Copy of your car’s Registration Certificate .
Medical receipt in case of physical i.
Also, read: 25 Car Insurance Secret That Your Insurer Won’t Tell You
Additional Document in Case of Reimbursement Claim:
In case you would your car repaired with your money then want to raise a claim to get a reimbursement, you will have to provide additional document to the insurance company. are the document in case of reimbursement claim:
Original repair bill cash receipt.
All other document listed above