How To Claim Insurance For Car Accidents In India?

An insurance payout is a request for payment of a loss made by an insured to the insurance company. Compensation is delivered in accordance with the coverage that the insurance company promised the client in accordance with the insurance contract. 

There are two methods for submitting an insurance claim: the reimbursement technique and the cashless method. The claim is processed without the need for cash when an auto insurance policyholder gets their car serviced at one of the insurance firm's partner garages since the insurer compensates the garages directly for the cost of repairs. 

Steps To Claim Car Insurance In India

Here are the steps that you must follow in order to claim car insurance.

1.  Alert The Insurance Provider

Inform your motor insurance company of the situation straight away by giving them a call. Due to the brief amount of time, you must tell the insurer of the incident within 48 hours otherwise, your claim request will not be considered. . To submit a claim, you must include the first two main sections of your insurance scheme in addition to any required documents, such a copy of your driving licence, vehicle registration document, and FIR. 

2.  File A Report With The Closest Police Station

Notifying the police and submitting an FIR are steps that must be taken as part of the settlement of an automotive claim in situations like theft, fire, or a road accident, including third-party damage. The FIR may not be necessary when the car has scratches and dents. It is crucial if there is any genuine harm or third-party incidents. The police will arrive at the scene to investigate the issues and establish whether or not a mechanical malfunction was to blame for the collision. 

3.  Use Photos As Reliable Evidence

Some people might rather make a payout claim. In these circumstances, photographing the area where the events occurred can be helpful. To serve as proof in court while resolving your insurance claim, you can take a few pictures of the collision, documenting the damage to your car and any injuries. 

4.  Document Submission

The claim settlement procedure is what happens next after the FIR has been filed. It can only begin once you have submitted the essential documents to the insurance provider. Remember to submit all the required documents, such as your driver's licence, vehicle registration, and other requested documents. 

5.  Ask For A Surveyor

Request reimbursement from your insurance company and ask them to send a surveyor to do a thorough inspection. If the insurance company offers it, you can also fill out a claim online by visiting their website. In the case of a cashless settlement of claims, the insurance provider will send a representative who will make an effort to ascertain all the significant damages caused to your car. 

6.  Repairs

Fix your car first, then begin the claim process. There are two ways to resolve claim disputes  If a person chooses a cashless claim, they are not required to pay for the cost of repairs. 

Conclusion

It is advised that policyholders carefully read the policy materials the insurance provider sends them because the claim settlement process can be a bit difficult. Hence, being aware of the car insurance claims process will make it easy for you.  

Also Read: 

What Are The Factors To Be Considered While Purchasing Car Insurance

What Are The Various Types Of Car Insurance Policy Available In India?