Gone are the days when cars were considered a luxury. Thanks to high disposable incomes and easy access to loans, cars are now within the reach of the common man. But certain responsibilities also come with car ownership. As a car owner, you must be aware of your responsibilities. For example, you need to ensure that you are always covered with the right insurance.
As a car owner, you also need to know how to file a car insurance claim. You can file an insurance claim when your car meets with an accident. The claim will reduce the financial liabilities towards repairs, injuries and damages. Here is a step-wise guide to claiming car insurance in case of an accident involving your car.
Step 1: The first thing you need to do is contacting the insurance company and inform them about the accident. You can do it online or through the physical office. It is also possible to register the claims by phone.
Step 2: Gather all the necessary information. You need to get the contact details and vehicle number of the third party involved in the accident.
Step 3: Make a police complaint. This is not mandatory but it is highly recommended to file an accident report with the police. It is applicable in cases where it is difficult to decide who is at fault. You must provide all the details about the accident, including the vehicle number or the contact details of the other parties. Always keep a copy of this report.
Step 4: File your claim. You can file the claim online or offline by filling up the claim form. Provide all the details of the accident and submit the necessary documents. You will have to provide a copy of the car insurance policy, a copy of FIR, a copy of the RC book and driving licence, original repair bills for reimbursement claims or medical receipts in case of physical injuries.
Step 5: Take the car to the garage. Now, take the car to the garage and get it repaired. It is best to opt for a network garage to enjoy a cashless facility.
Remember to gather as much evidence as you can at the spot of the accident and keep the insurance documents ready. If everything is in place, the claim will be accepted 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.