How to File a Car Insurance Claim Step by Step?  - NaukriYojna

How to File a Car Insurance Claim Step by Step? 

How to File a Car Insurance Claim Step by Step? 

 

It is the last thing that comes to our mind after an accident that you have to file for car insurance. If you think about it closely you will get to know that it is essential to secure the financial support for treatment or repair. The steps outlined are essential to understand how one has to file car insurance. These steps outlined below ensure that you will receive the compensation that has been insured to you. As you know car accidents are common in India so taking the risk of not securing your life is not an apt act. 

 

Let’s understand how to file an car insurance step by step:

 

Step 1: You should know about your safety.

 

Above all is your safety that should be prioritised immediately after an accident. Make sure that everyone is safe and if anyone needs medical treatment or not. Drive your vehicle if possible to a safer location and if you cannot move your vehicle at that time then try to secure a safe spot on the side. If there is any chance of more issues with the vehicle you should leave that vehicle immediately. 

 

Step2: Make sure you file an FIR (First Information Report): 

 

You must file an FIR if there is any injury, vehicle damage or any fatality then you must go to the local police station. You need not to worry where to file the case; you can reach the nearest station and file a report. This might arise in your mind about what might be the use of this FIR so this will work as evidence and an official record that can be presented to claim an insurance. 

 

Step3: Make sure you document the Accident.

 

One thing that you should keep in mind is that you must collect all your evidence that can support your insurance claim like photographs of the damaged vehicle or road condition or the vehicle condition after the accident, accident scene, or any injury caused. If there is any witness present at the accident scene their statements, names, and contact details at the scene. If you have medical bills and record the treatment. The legitimacy of the claim will be determined by the evidence shown by you. 

 

Step 4: After this report about the accident to the Insurance company.

 

Once you have collected all the information then you should contact the insurance company about the accident. For reporting auto insurance claims most of the car insurance policies so prompt notification is essential. Make sure that during the initial interaction you provide all the information like:  the policy number, location, date, time of the accident and the insurance details of all parties involved in it, their name, contact etc. Make sure you describe the accident and the injuries. 

 

Step 5: Make sure you file a claim. 

 

The car insurance should be filed at the next step. You must give details and complete the damages incurred and the claim form and your vehicle. You must submit copies along with the filled form about documents like: Driving licence, if applicable about police report and medical report, for own damage claims for repair estimates and car insurance policy. 

 

Step 6: You should understand your insurance coverage. 

 

You must review your car insurance when you make a car accident insurance claim and no claim bonus and your coverage limits, deductibles. The amount of this information will help you to determine  the claim in insurance of car accidents.

 

NCB ( No Claim Bonus): For claim free year this acts as a discount on the premium that if you file a car accident claim which may be affected. 

 

Coverage Limits: For a specific type these are the maximum amounts that will be paid by the insurer for the loss such as bodily injury or vehicle damages. 

 

Deductibles: You must pay out of pocket these are the amounts before the coverage of insurance. 

 

Step 7: You must complete the assessment and complete the survey.

 

Your insurance company will investigate in the next step of your car accident insurance claim process that will investigate your car insurance claim process. To determine the extent of the damage they may send the surveyor to your vehicle. The damaged vehicle may include or request documentation additionally. 

 

Step 8: Make sure you don’t miss the claim settlement. 

 

To cover your auto insurance claim with the insurance company you need not negotiate the amount for settlement. To support the documentation or additional information you need to provide support to your claim. It is approved that once the car insurance claims to an authorised repair workshop you can take your vehicle. 

 

Things that are essential to keep in mind

 

Determine the issues that arise out in front of you and make sure you apply for the apt claim. Information filled by you in the form of claim insurance should be correct. In the event of an accident make sure you observe the requirement legally. You should postpone agreeing to a resolution to prevent any anticipated problems with the other party. Immediately after an accident if possible you should make sure you have informed your insurance provider about the accident. 

 

Under Third-party insurance dealing with car accident claim

 

If you can file a car accident insurance claim then if another vehicle causes an accident damaging your property or injuring you. If your own insurance company then if your vehicle causes the accident for any fatalities, injuries or any losses to your own insurance company it will compensate the other party. To claim the  motor insurance the procedure is the same as above. Just after completing the essential step you need to file your auto insurance claim to the Motor Accident Claims Tribunal (MACT) where the accident occurs. To make a stressful situation knowing the correct steps in the car accident insurance claim process. 

 

Conclusion

In these claims you can insure your automobile if it suffers any damage or loss then your insurance company will look upon all your accident related damage or loss and medical costs. One thing to know is that personal automobile damage  has a higher cost than a regular standard auto insurer. 

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