Every Car Owner Needs To Know Dos And Don’ts While Filing Car Insurance Claim 

An individual buys his/her car with lots of expectations and wants to protect it from every uncertainties. One owns a car after many efforts. They choose the best car dealer, compare the car features, select the colour from the colour brochure, pick the best deal from the dealer. In short, they put in so much efforts in buying a car. So, they need to put a little more effort that will protect their car? They must get a car insurance policy which protects a car against unforeseen circumstances.

Indian government makes mandatory to insure the car. But, you need the best insurance policy according to your car’s requirements. If any uncertainty happens to a car, the policy holder comes in position to claim the insured money. Here are some tips given that can make the process of claiming auto insurance easier and with no hassle. HDFC Ergo, Tata AIG car insurance, Bajaj Allianz car insurance etc. are a few Car Insurance Companies.

There are following dos and don’ts you need to keep in mind while filling car insurance.

Car accidents takes lives of 16-18 people every hour in India, as per the statistics. The car insurance policy is a financial safety net for the damage and expense arising out of such event. If something like this happens, then you need to know how to file a claim. First, you are required to have a valid license.

# An FIR – Call the police first after an accident happened and then take a copy of FIR. It is needed while processing the claim by the insurer.

# The second call should be made to your insurance provider. The early call make the process easier for you. Also, many policy providers have a window of 24 hours to 48 hours from the time of the accident to file a claim.

# Go through the policy thoroughly to know which circumstances are to be covered and what expenses will be included or excluded in the claim. You can call to their toll-free helpline or going over the frequently asked questions (FAQs) on their website to know about it.

# Also, don’t forget to take photos of the accident scene, the damages sustained by your car, your injuries, and the other party’s injuries. Also, note the names and contact numbers of the witnesses. For third-liability claim, take the picture of other party’s policy papers.

# Disclose the truth, so that your policy won’t be made invalid. Your claim request might get rejected on the grounds of unclear information.

# Maintain a record of expenses that you incur due to accident and keep record of all the bills with respect to your claim.

# You can also rope in a lawyer to help you legally and get the appropriate claim amount.

# Do not move your car or the other party’s car from the scene without completing all the necessary things.

# Don’t forget to file an FIR.

# Don’t delay in calling the police and your insurance policy provider to inspect the situation.

# Do not driver under influence (DUI). An insurance claim gets rejected if you are driving after consuming alcohol or is indulge in rash driving or using your personal car for commercial use.

# Do not rush to sign papers provided by insurer. Before signing any paper, contact a legal help.

# Consult your lawyer before accepting any cheque or Demand Draft from the insurance provider that says “Final Settlement”.

Keep these dos and don’ts in mind while filling for car insurance claim.