To get insurance benefits, you must make a claim with the insurance company immediately after the accident. If they find the claim is genuine, they will pay damages incurred to you and your vehicle. Here’s how you can make a car insurance claim in the event of a car accident:
Follow the steps below:
Making a damage claim yourself is the same as a third-party car insurance claim.
- Contact your insurance company immediately after the accident and inform about the damage.
- Tell the police about the incident and get an FIR.
- Record details of the car, driver and witnesses at the FIR.
- File a claim with your insurance company and ask them to assign a surveyor to evaluate the loss.
- You can also submit claims online, provided your insurance company provides this facility.
Documents needed to submit a claim:
The insurance company can ask you to provide certain documents to help them validate and accept the claim. You must submit all documents required for claim and complete the claim form. The following is a list of documents that you must submit when submitting a car insurance claim:
- A copy of your insurance policy
- The First Information Report (FIR) was submitted to the police
- Fill out and sign the Claim Form correctly
- A copy of your car registration certificate
- A copy of your driver’s license
- Detailed estimates of repairs
- Medical receipt in case of physical injury
- Original records of other expenses issued
Formality for making car insurance claims
In the case of a car accident, the policyholder can make two different types of claims, namely third party claims and own damage claims. Following are the steps to submit a claim after an accident:
- Third party claims: You can file third party claims against other vehicle owners in cases where damage / injury has caused you / your car by a third party vehicle. In this case, you can claim medical costs and compensation for personal injury, property damage, and lost income, if you are unable to work after an accident. Compensation can also be claimed for death, if any.
Conversely, in the event of an accident where your car crashes into another vehicle where the damage has been done by your car to a third party vehicle, your insurance company will cover the damage, loss, injury and death that you caused to others. party.
Steps to follow-
- Get details of vehicle insurance that has caused damage to your car and notify the insurance company of the incident.
- Report the incident to your insurance company immediately. Be sure to tell your insurance company about the accident within the specified time period.
- Next, submit a third party claim application with your insurance company. If you are a victim, you need to submit a third party claim against the vehicle owner. In cases where injury, death or property damage has been done by your vehicle to a third party, the application must be made with your insurance company.
- Let the police know by calling the police help line number and file a First Information Report (FIR). Be sure to mention the following information in the FIR:
- The registration number of the car involved in the accident
- Driver license number
- Name and contact details of witnesses, if any
- After completion, you need to submit the case to the Motorcycle Accident Claim Court which has jurisdiction over the area where the accident occurred or with the court of jurisdiction over the area where you (the claimant) and third parties (defendants) are located or doing business.
- Self-damage claim: You can file your own damage claim if there is loss or damage due to an insured car due to an accident. Your insurance company to pay for medical expenses and repair costs arising from accidents. However, you must authenticate the damage or loss caused by an accident. You will be eligible for this claim only if you have a comprehensive policy.
Points to remember:
- Examine yourself and your car carefully to determine whether there is a serious injury. Based on the extent of the injury you must decide whether medical assistance should be called or not.
- Make a claim within the period specified and corrected by your insurance company, usually within 24 hours. If there is a delay, the claim can be rejected.
- Record the registration number, model, and color of other cars involved in the accident.
- Talk to witnesses present at the scene of the accident and keep their names and contact details. You may need to contact them later to determine the person responsible for the accident.
- If you find that damage is only caused by a vehicle and can be ignored, you can avoid making a claim. Assess the situation well and call immediately.
- Don’t fight with third parties and that can cause unnecessary confusion.
- Avoid making statements to the police or insurance company unless you are not clear about your next steps.
- Move vehicles from accident sites for repair or other purposes only if permitted by the police and insurance companies.
- You must submit all documents required for claim and complete the claim form. Vehicles may also have to go through inspection.
- If your car insurance policy offers a no-cash claim facility, take your vehicle to a network garage to repair it and take advantage of the service without cash without paying out of your pocket for the damage covered. The workshop will be paid directly by the insurance company.