Tips To File Your Car Insurance Claim Correctly

sidharth kapoor By sidharth kapoor, 27th Jul 2018 | Follow this author | RSS Feed
Posted in Wikinut>Business>Accounting & Finance

Merely availing car insurance is not enough, you will be also required to file a valid insurance claim to reap full benefits of the policy. Follow these tips to file your car insurance claim correctly.

Tips To File Your Car Insurance Claim Correctly

Road accident fatalities in 2017, was recorded to be around 1,46,377 in India. It was the highest death toll from road accidents across the globe. This makes car insurance a must-have financial product. Car insurance acts as a safety net to cover owner drivers against financial obligations arising out of vehicular accidents. As per the Indian Motor Vehicles Act, car owners need to mandatorily avail third-party insurance to cover damages caused due to death, physical harm and damage caused to third party property.

You can also increase the cover by combining own damages cover with the mandatory third-party cover and availing a comprehensive car insurance online or through offline means. But merely availing a car insurance policy is not enough, you also need to file a valid car claim to reap the full benefits of the insurance policy.

Follow the tips listed below to ensure a smooth auto insurance claim process:

1. File an FIR – If you ever get involved in an accident, your first move should be to contact the police. This will enable you to involve a legal authority to record the details of the accident. You will also be required to file a first information report or FIR to report the occurrence. This FIR will serve as proof of the accident.

2. Intimate the Insurer – Inform your insurance provider or your broker right away from the accident spot or as soon as you are safe. Certain companies have a specific reporting window within which you have to communicate the happenings - typically this window is of 48 hours. Best car insurance policies like Bajaj Finserv Car Insurance provide roadside assistance services like emergency repairs, towing facilities, storage facilities and car hire services which come in handy in major car accidents. Maintain details of all the conversations along with the name and designation of the company representative for future reference.

3. Gather evidence – You will be required to furnish evidence proving your claim. Click pictures of the damaged vehicle, your physical injuries, third party damages, etc. Photographic evidence will capture all the details you might need for future reference. You must also gather details of the bystanders witnessing the accident who are willing to back your claim, make a note of their names, contact details and address. Remember to also gather the details of third-parties involved in the accident.

4. Browse through the policy inclusions – Once you are done with the above, browse through your policy document to re-visit the inclusion and exclusion list. Most insurers cover damages due to accident, fire, theft, terrorist activities, riots, etc. However, damages caused by driving under the influence of intoxicating drinks or drugs, driving without a valid license, participating in an organized racing or speed testing activity and damages not resulting from an accident, etc., are generally not included.

5. Be honest in your claims – Not disclosing facts or only revealing the partial truth could inch you closer towards claim rejection. Remember to be completely honest while filing a claim, and reveal all the necessary details.

6. Consult your lawyer – It is always a good idea to consult your lawyer throughout the claim process to ensure you are not at any disadvantage and the evidence is also put to good use.
Remember to renew your car insurance regularly and also carry a valid driving license whenever you go for a drive.

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author avatar sidharth kapoor
Sidharth Kapoor is a well-known financial insurance advisor with the abilities to keep a track and predict the market trends with the utmost accuracy.He has worked on different financial sectors deali

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