Despite being a good driver, you could be involved in an accident and the result can be very stressful. When you are involved in an accident, you must follow specific steps to ensure all are safe, follow the law and initiate the insurance claim process. If you’re wondering how to claim car insurance, this article gives you a ready reckoner.
Inform your insurer about the incident.
After you meet with an accident, the most important thing is to inform your insurer about it. You should call them as soon as possible and provide them with information about the incident. The following are some things you should give them:
- Information about the other party involved in the accident: This includes their name and address, as well as a description of how they were dressed (e.g., wearing a helmet).
- Information about your car: This could include its make/model, year of manufacture and colour scheme; any modifications that have been made to it; any damage caused by another vehicle during an accident (this may include scratches or dents); where exactly was it parked at when it was damaged so that they can determine whether there were any signs indicating that someone else had been using it before yours was damaged?
- Details about the location and time at which this happened so that they can verify whether there was an accident involving both vehicles involved – if not then perhaps there weren’t any injuries sustained after all.
File an FIR as soon as possible.
File an FIR as soon as possible. The police will investigate a car accident upon filing an FIR, determine the cause, and take a record of the driver and any other passengers in the car. Please be aware that the FIR can only be avoided when you file a claim with your car insurance company for dents and scratches.
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Submit all of the necessary paperwork
Only once your insurer has received all the necessary documentation can you file a car insurance claim. You must provide the insurance with several important documents, including the ones listed below:
- First Information Report (FIR) filed with the police station,
- a copy of the insurance policy
- a duplicate of the driver’s licence (DL)
- a copy of the car’s registration certificate (RC)
Take photographs of the damaged car to fortify your claim
Take photographs of the damaged car as soon as possible. You should also take pictures of any witnesses and/or damage to any other vehicles involved in your accident. These photos are pieces of evidence that may be helpful to you when filing a claim with your insurance company (such as police reports).
Repair Car
The car repair can begin once the above stages have been finished. Depending on the type of claim you select, the car will need to be repaired. The following are the two possibilities for resolving an automobile insurance claim:
How to claim car insurance with Cashless Claim: If you have a cashless claim, you can simply drive the damaged vehicle to any of the network garages that the insurance provider has recommended. In the event of cashless vehicle insurance claims, the policyholder just needs to pay the deductibles; the insurer will cover the remaining costs.
How to claim car insurance for Reimbursement Claims: In the event of reimbursement claims, policyholders are required to cover all costs associated with damages out of pocket. The insurance provider must receive original copies of their bills, receipts, medical records, pictures, etc. After deducting all deductibles, the insurer will pay back all repair costs. The policyholder can have their selected mechanic fix the car by using the reimbursement claim option.
Conclusion
It is important to understand that your car insurance is not a one-time expense. It’s a lifelong contract that you need to continue paying on time every month so that when an accident occurs, you will be covered. For those who need reliable car insurance, you can explore plans by Chola MS. To understand how to claim car insurance with us, you can know more by reading Chola MS company’s policy.
