Car Insurance Claim Process – A Step-By-Step Guide For Claims

How Do You File a Car Insurance Claim in India After an Accident?

The sheer volume of vehicles in India creates a very high traffic density. Accidents may still happen even if you drive cautiously and strictly adhere to the law. Post an accident, the procedure for filing an insurance claim has changed over a period of time. The utilisation of technology and the digitisation of various transactions has simplified following specific guidelines. Continue reading to learn how to claim car insurance if you meet with an accident in India.

Documents Required for Insurance Claims After Car Accidents:

Submitting the necessary paperwork when filing a car insurance claim with your auto insurance is crucial. The list of paperwork needed to file a car accident insurance claim is as follows:

  • Car insurance policy copy.
  • The police’s first information report (FIR).
  • A photocopy of the driver’s license.
  • Correctly completed and signed claim form.
  • The initial repair invoice, Cash receipts etc.
  • Registration certificate (RC) copy.
  • In case of physical injuries, medical receipts.

What Is The Process To Make an Insurance Claim for a Car Accident?

Own Damage and Third-Party Claims are the two types of available auto insurance claims. The procedure for making an insurance claim after a car accident is as follows: *

• Own Damage Claim

You can claim for the damage to your vehicle if you have comprehensive auto insurance that covers your own injuries. If you have a comprehensive car insurance policy, the steps to file a claim are as follows: *

Step 1 is to notify your insurance provider of the accident and the amount of the car’s damage.

Step 2. Submit a First Information Report (FIR) to the neighbourhood police department.

Step 3: Submit the necessary paperwork to the insurance provider.

Step 4: After fixing your car, have a surveyor inspect it and settle the claim.

• Third-Party Claim

You can claim for medical costs related to a personal injury or property damage if a third party has damaged or injured you or your car due to their vehicle. The liability coverage for injury       is uncapped, but the range for property damage to third parties is capped at Rs. 7.5 lakh. Following due process, the Motor Insurance Claims Tribunal will determine the compensation amount.

However, if your car damages a third-party vehicle, your insurance provider will pay for the victim’s loss, harm, or demise. The steps to file a third-party claim in each situation are listed below:

Step 1: Obtain the insurance information for the other party’s vehicle and notify the other party’s insurance provider of the collision.

Step 2: Contact your insurance provider within the allotted time.

Step 3: File an FIR at the local police station after reporting the accident. Include all relevant information about the accident’s vehicles in the FIR.

Step 4: In the event of a severe accident, the Motor Accidents Claims Tribunal will determine the compensation.

* Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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