It is the dream of every person to have a car of his own in which he can travel far and wide with his family. But where there is a vehicle there is also a risk. If you are driving a vehicle, then the risk of its accident also remains. In the event of an accident, you go into loss and many times you have to compensate from your pocket, but if your vehicle is insured , then you can avoid compensating for this loss and take a claim from the insurance company.
How to claim for car insurance?
In case of a car accident, your car, you or the person in front can be damaged. In order to claim an accident, you have to take care of many things. There are many people who run away from there in fear and leave the injured person suffering there. If your vehicle is insured then you do not have to leave the injured person there and run away but help him. You have to handle this situation very carefully at the time of accident. If you want to claim with the insurance company, then follow the following process.
Collect evidence of the incident?
Do not run away from the accident. Treat the injured person first. At that place, take evidence of the damage caused to your car by the vehicle in front, like you can take photos, video recording of your vehicle.
If any vehicle has collided with your vehicle, then take the details of the driver of that vehicle like his name, mobile number and address. Also note down the vehicle number.
If you have any witness at that place, that is, the person who has seen this incident, take his name, address and mobile number. This may come in handy later.
If you have got hurt in the accident, then collect information about that too, get treatment from the nearby hospital and find out from the doctor what kind of injury it is.
Accident and Police FIR
Many people shy away from getting the police FIR done in case of an accident, but it is a part of the accident and claim. Whether it is the matter of injury to others or injury to oneself. In both the cases, you must get an FIR lodged at the nearest police station. This report helps you to get the claim.
How to inform the insurance company after an accident?
After the accident, you should also inform the insurance company immediately. If your vehicle is damaged, you must inform the insurance company before taking it to the garage or service center. Generally, within 24 hours of the accident, you must inform the insurance company about this by calling the toll free number.
Accident damage assessment
In case of an accident, both the vehicle and the body can be damaged. When you inform the insurance company about the accident, the officials come to do the inspection on their behalf. These sizes determine the damage to your car. When you get the insurance done, the company also informs you about the nearest service center. The insurance company itself arranges to take your car and also pays for its repairs if the claim is approved. Whatever money you have to spend to get the claim from the insurance company, keep the fixed bills with you and present them at the time of claim. With this, your spent money is also added to the clam. With all these expenses, the representative of the insurance company sends his report to the insurance company.
Documents for Accident Claim
When you send for an accident claim, you have to include some important documents on the basis of which your claim is approved.
– Copy of the FIR lodged with the police
– Copy of your insurance policy
All hospital bills if there is physical damage
– Registration card of your vehicle
– Your Driving License
– Insurance Claim Form
– Estimate or bill for the repair of the vehicle
With all these things, the claim is made to the insurance company. If you do not have the knowledge of doing all these processes, then you must consult a good lawyer. Lawyers help you get the claim by getting all the legal procedures done correctly. Therefore, as far as possible, first of all take the help of your lawyer.
How does the insurance company settle the claim?
The insurance company takes 10 to 15 days to settle a small claim, but if the accident is serious and the claim is big, it may take a few months to settle it. The company can give you two options for the payment of the claim.
cashless mode clam
In case of cashless mode, your vehicle gets repaired by taking it to the garage or service center contracted with the insurance company. The company later makes the payment directly to the garage or service centre. There, the surveyor who assesses your loss, calculates it roughly and tells the loss.
reimbursement mode
In this, the surveyor sent by the insurance company inspects your vehicle and sends the estimate to the insurance company. You have to get the vehicle repaired yourself, initially you have to spend money from your own pocket and after the repairs are done, you have to claim those expenses along with the bill. The insurance company pays for it.
Avoid these things in Accident Clam?
While making a claim for vehicle insurance, people make many mistakes due to fear of accident, due to which their claim gets rejected. Avoid these mistakes while claiming your vehicle in an accident.
First of all, when an accident happens, do not panic and run away from that place, nor try to take your vehicle away from there. This can weaken your insurance claim as you have run away by mistake.
If your vehicle is broken after the accident, then do not start repairing it yourself. Or don't give it to a garage for repair yourself. First inform your insurance company and let the insurance company official assess the loss. After this, get your vehicle repaired according to the insurance company's official.
Sometimes people exaggerate their accident out of greed. Also some facts are hidden. This can only harm you. If you do not tell all the things correctly then your clam may get rejected.
When your car goes to the claim company, and the assessment is done by the insurance company, then check it properly once. If anything is left, then definitely tell about it and only after that do the settlement. If possible, take the help of a lawyer for this.
You must have understood very well what to do in case of a vehicle accident. Keep one thing in mind in case of an accident, if you have all the documents and you are not at fault, then never run away from there in panic. Take the person who got injured in your vehicle to the hospital and claim for the expenses. You will not be harmed by this. But if you run away from there then legal action will be taken against you.