Despite being a good driver, you could be involved in an accident and the result can be very stressful at times. When you are involved in an accident.
you need to follow certain step to ensure all are safe. follow the law and initiate the insurance claim process.
Your immediate action is to inform your insurance. company and follow the procedure properly to claim car insurance after an accident.
Working with your insurer after an accident is crucial to get your claim settled rightly.
How To File a Car Accident Insurance Claim?
You can make two different type of auto insurance claims which are Own Damage and Third-party claims. Here is the process on how to file a car accident insurance claim:
Own Damage Claim
In case you have comprehensive car insurance which covers your own damages. you can raise a claim for the damage to your vehicle.
Below is the process to file a car accident insurance claim if you have comprehensive insurance:
Step 1: Inform your insurance company about the accident and the extent of the damage to your vehicle.
Step 2: File a First Information Report (FIR) at the local police station.
Step 3: Submit require document with the insurance company.
Step 4: Get a surveyor to inspect your car and get the claim settled once your car is fix.
In case a third party has cause damage or injuries to you or to your car by a third party vehicle. you can raise a claim for medical expense due to. personal injury or property damage.
There is no limit on the liability cover for injury or death, while the cover for damage to third party property is limit to Rs. 7.5 lakh.
The Motor Insurance Claims Tribunal decide the compensation amount after due process.
However, in case your vehicle has cause damage to a third party car. your insurance company compensate for the loss, injury or death of the third party.
Below is the process to file the third party claim in both scenarios:
Step 1: Get the insurance details of the third party car and inform. the third party’s insurance company about the accident.
Step 2: Inform your insurance company within the stipulate time period.
Step 3: Inform the accident at the local police station and file an FIR. Ensure the FIR has all detail of the vehicles involve in the accident.
Step 4: The Motor Claims Tribunal decide the compensation in case of a major accident.