Follow these actions to claim automobile insurance coverage after an occurrence

An owner’s damage claim is just like a third-party auto insurance claim.

  • Immediately after an accident, contact your insurance company and inform them of the damage.
  • Inform the police about the incident to obtain a FIR.
  • In the FIR, record the details of the vehicle, driver and witnesses.
  • Ask your insurance company to file a claim and assign a surveyor for the evaluation of the loss.
  • If your insurer allows it, you can also submit the claim online.
  • Copy your insurance policy
  • First Information Report (FIR), filed with the police
  • Completed and signed Claim form
  • Copie of the car registration certificate
  • Photocopy of your driving licence
  • An estimate detailing the costs of repairs
  • In the event of physical injuries, medical receipts
  • Original receipts of any other expenses
  • Get the details of your vehicle’s insurance and inform the insurer about the damage.
  • Notify your insurance company immediately about the incident. Inform your insurance company about the incident within the time limit.
  • Next, you need to file a third party claim application with your insurance. You must file a third party claim against the vehicle’s owner if you are the victim. Your insurance company must be notified if your vehicle causes injury, death or property damage to another party.
  • Call the police helpline number to inform them and file a First Information Report. In the FIR, include the following information:
    • Number of registration for the car that was involved in the accident
    • Driver’s license number
    • If witnesses are present, name and contact information
  • Once you have done this, you can file a case with the Motor Accident Claims Tribunal with jurisdiction over that area or the tribunal with jurisdiction in the area where you and the defendant reside or do business.
  • To determine if you have any serious injuries, thoroughly inspect your vehicle and yourself. Depending on the severity of the injury, you’ll need to decide if medical assistance should be sought.
  • You must file your claim within the timeframe set by your insurance company. Usually, this is within 24 hours.
  • Notify the owner of the car that was involved in the accident by noting its registration number, model and color.
  • Talk to witnesses at the scene of the accident. Keep their contact details safe.
  • You can avoid filing a claim if the damage to your vehicle is minor. Take the time to assess the situation and make a call immediately.
  • Avoid getting into a fight or causing unnecessary confusion with third parties.
  • If you aren’t sure about the next step, avoid making statements to the police.
  • Only allow the police or the insurance company to move the vehicle from the accident site for repair or other purposes.
  • All necessary documentation will be required for the claim. You must also fill out the claim form. A vehicle inspection may be required.
  • Cashless claims are available if your car insurance policy covers vehicle repair. You don’t have to pay anything extra for the damages covered. The insurer will pay for the workshop directly.
  • What are the various types of insurance claims I can make against my car insurance policyThere are two options available to you when filing your car insurance claim. These are offered by most insurance companies. These are cashless claims or reimbursement claims. The cashless claim, as the name implies, is where your insurance company settles your bill to repair your vehicle at the workshop in the network. A reimbursement claim is a different type of claim. In this case, you will be responsible to settle the bill in the first place. After that, you will need to submit any eligible bills of repairs to the insurance company. According to their terms and conditions, the insurer will reimburse you for the repair charges.
  • I filed an insurance claim after my car was involved in an accident. My claim was denied. Is there a possible reason for this?Before an insurance provider settles a claim, there are many factors that they take into account. The insurer may reject your claim if you have certain exclusions. Below are some of the most common reasons an insurer will reject a claim for car insurance.
    • At the time of the accident, the driver did not have a valid driving license.
    • The driver was found to have been under the influence of intoxicating drugs.
    • At the time of the accident, the insurance policy was inactive.
    • The driver was negligent or inattention to cause the damage to the car.
    • It was discovered that the information on the insurance claim form contained incorrect information.
  • My car was involved in an accident. I am now the second owner of my car, but the insurance remains under the control of the previous owner. Can I claim insurance for the car’s damages?You will not be eligible to claim insurance for this situation. The insurance provider will deny any claim you make for damages caused by your car.
  • If I do not inform my insurer within the timeframe, can the insurance provider refuse to pay my car insurance claim?Yes. The insurance provider can reject your claim for car insurance if they are not notified within the time frame that they have set.
  • Do I need to complete the vehicle survey after my vehicle has been involved in an accident?Yes. As per the terms and conditions of insurance providers, you’ll need to complete the step in which a surveying inspector is assigned to inspect your vehicle before any claim processing can be advanced. Many insurance companies allow for e-inspection to speed up the process. To get an accurate picture of the situation and to make an appointment with your insurance provider, you can contact them.