What Is The Process For Filing A Car Insurance Claim?   

You must have a valid third-party car insurance online or offline policy and a valid driver’s licence to operate your vehicle legally. This requirement is like the condition that you must honestly have a valid licence to drive your car. When searching for an insurance provider, you should always opt for one that offers adequate coverage and gives you legal support if you need to file a claim.  

How to claim car insurance? 

It is beneficial to accept that one must get third-party liability insurance, at the very least, if not compensation, to cover for your harm. If you have a comprehensive auto insurance policy, you can file a claim with your insurer for financial assistance, even if you cause damage to your vehicle.  

Your financial worries may be alleviated, and your state of mind can improve thanks to the protection offered by auto insurance coverage. 

Putting in a claim with a third-party car insurer – 

You are eligible for coverage under the third-party insurance plan if you are found responsible for causing damage to the person or property of a third party. The following is a list of the actions that need to be taken to file the insurance claim and receive reimbursement for the damage caused. 

1. Go to the police station that’s closest to you and file a report (if requested) 
2. Make a call to your insurance provider and let them know about the incident. 
3. Take pictures and videos of the wreckage, the accident scene, and the automobiles. 
4. After that, you may need to note the information regarding the third party, such as their name, vehicle registration number, contact information, policy information, and so on. 
5. After then, the case you’ve brought can be registered with the tribunal court. 

Submitting one’s claim for damages – 

You can only file an ‘own damage’ claim if you have a comprehensive policy and you’re aware of what is covered in car insurance. This policy covers you for any damage to your car in addition to third-party liability coverage. 

The following are the steps to filing a claim for personal injury: 

1. Inform your insurance company right away. 
2. File a FIR if necessary. 
3. Before you move your vehicle away from the accident scene, consult with the officer in charge of the police department or your insurance company. 
4. The company can then send a surveyor to determine the extent of the damage. 
5. Your car may then be towed to a nearby garage. 
6. You can use a cashless claim service if you choose a network garage. 
7. Your claim can be settled based on the coverage and repair cost. 
8. When you file a claim, you must include essential documents such as the policy copy, claim form, registration certificate, FIR copy, driving licence, and so on. 
9. Most importantly, you must notify your insurance company of the accident before filing a car insurance claim. If you put this off, your claim may be rejected. If a third party is involved, you must file a FIR. 

When comparing car insurance online companies, choose one with a simple claim process. Choose only companies with high claim settlement ratios. Buying or renewing a car insurance policy and filing a claim can all be done online today. You must go to your insurer’s website and follow the instructions. 

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Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.