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How To Claim Car Insurance After an Accident from United India?

Wish

Written by Sumit Arora

Updated Oct 16, 2023

United India Car Insurance is a form of vehicle insurance coverage that protects a private car against unanticipated losses or damages. Read this article to know how to claim car insurance after an accident from United India.

United India Insurance Co. Ltd. is one of India's oldest insurance firms, founded in 1938 and nationalized in 1972. With 1,340 offices serving clients in urban, semi-urban, and rural regions, it has a wide reach. For numerous years, the firm has offered car insurance plans that protect private vehicles from unforeseeable losses, damages, or liabilities.

How To Claim Car Insurance After an Accident from United India?

How To Claim Car Insurance After an Accident from United India?

If your insured car suffers a loss during an accident,  you can make a claim by following the steps listed below:

  • Contact the branch office of the United India company.
  • If the accident happened anywhere other than the city/town where the insurance was issued, you can contact the company’s nearest office. The insurance company will schedule a car inspection.
  • Keep the car at the accident scene until it is assessed by the company surveyor if the loss was considerable or involves riot losses/fire.
  • If there were any third-party injuries or deaths, you should report the event to the local police station. 
  • After you've completed these steps, you can have the automobile towed to any authorized mechanic for a repair estimate.
  • Then, with the revised United India car insurance claim form, submit the quotation to the insurer. After that, the insurance firm will conduct the final survey. 
  • It is important to provide the complaint that was filed with the local police station, as well as the original FIR, during this survey. 
  • It should be emphasized that when a third person is injured, the FIR is required.
  • You should be aware that car repairs should only begin when you have received permission from the company.

Benefits and Features of United India Insurance

You can make use of many features and benefits. Some of them are listed below.

1. Anti-Theft Device Discount

Car owners who install an authorized anti-theft device in their vehicles will receive a 2.5 percent discount on the premium cost, up to a maximum of Rs 200. This discount is only valid for your own damage coverage.

2. No Claim Bonus

United India auto insurance offers a No Claim Bonus (NCB) to all policyholders who have not made any claims throughout their prior policy periods. This bonus or discount is only available at renewal time, and it can be stacked up to a maximum of 50%. Only if the insurance is renewed within 90 days of the prior policy expiry date, then the insurer awards NCB.

3. Coverage Extension

United India Car Insurance has a number of optional covers that may be utilized to extend the policy's coverage for an extra price. 

Take Away

If you intend to drive your car in the nation legally, you must have car insurance. All cars on Indian roadways are required by law to carry third-party insurance. Own-damage insurance is optional, but complete coverage provides all-around protection. Having an all-in-one bundle is also more cost-effective than having individual indemnification contracts.

You may also like to read: Tips to Maintain Safety on Roads While Driving A Car

Top Factors That Determine The Premium of Your Car Insurance Plan

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard. 

Wish

Written by Sumit Arora

Sumit is an insurance industry veteran with more than 20 years in the industry. Sumit is a frequenRead More

Disclaimer

This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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