How to Claim Insurance for Car Accidents?
Car Insurance

How to Claim Insurance for Car Accidents?

If your car meets with an accident or is damaged due to unforeseen events, you can file an insurance claim seeking compensation for the damages suffered. This compensation will be provided as per the coverage guaranteed in the terms of the insurance.

You can make an insurance claim in two ways-- cashless claim or reimbursement. When you get the car repaired at the network garage of the insurance company, you can enjoy a cashless claim. This means you do not have to pay at the garage and the insurance company will directly settle the repair bills with them. On the other hand, if you opt for reimbursement, you will have to make the payment of repair expenses and the same will be later reimbursed to you, subject to the sum insured.

If you get the car repaired outside of the network garage, you will have to choose the reimbursement option.

How to claim insurance for car accident?

The claim insurance procedure is quick and hassle-free. In case of an accident, you need to contact the insurance company immediately. You can do this on the phone, online or offline. Let’s go through the process and understand how to claim insurance for a car accident.

The claim insurance process requires you submit the below mentioned documents along with the duly filled claim form:

  • Copy of your car insurance policy
  • Copy of the driver’s licence
  • The First Information Report you have filed at the police station
  • Registration certificate of the car
  • Original documents of repair expenses or medical report for physical injuries

Filing car insurance claim after an accident

You can get the maximum benefits from the car insurance policy by filing a claim in time. After a car accident, you need to inform the police and file a report and inform the insurance company. Since the timeline is restricted, you should not delay the process and inform the company at the earliest.

Inform the police and file an FIR for the process. If there are only scratches or dents on the vehicle, you can avoid the FIR but in case of physical injury, it is highly recommended to file one. Try and gather as much evidence as you can. It will work as valid proof for the claim procedure. You can take a few pictures and note down the name and contact number of the witnesses and third party.

Once all the documents are in hand, you need to submit them to the insurer and ask the insurance company to send the surveyor. The survey will be complete within one to two days and the surveyor will estimate the number of damages.

You can then take your car for repairs to one of the network garages so that you can enjoy a cashless claim. Here, you need to pay the deductibles and the balance will be paid by the insurance company. If you are filing a reimbursement claim, you will have to pay the entire amount out of your pocket and the insurer will reimburse the same after subtracting the deductibles.


Now that you know how to claim accident car insurance, you can complete it with ease, if needed. The process of claim insurance is quick and seamless if you have all the documents in place. The insurance company will verify the details and approve your claim without any delay.

Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.

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