A car insurance claim comes into the setting only after an accident. The accident could be two vehicles colliding or a vehicle having a minor road mishap. 

 

Today, having a car without insurance is as risky as handling a live wire without proper equipment. The shock might not always be fatal life-wise but financially, it may cost you a fortune. The present road situation is worse and it is only degrading by the day with the number of wheels on the road increasing. 

 

The Process of a Car Insurance Claim

 

Contact Your Insurer

Initiate the car insurance claim by alerting the car insurance company about the accident and its severity as soon as possible as most of the insurance companies have a threshold time after the accident to file the insurance claim.

 

Make a Police Report at the Nearby Station

It is also crucial to submit an FIR in a police station. The FIR is a crucial document that insurers require in order to settle claims for physical injuries and vehicle damage. Police officers will investigate the accident site to see whether it was caused by mechanical breakdown.

 

Gather Proof 

It is critical that you take photographs of both the accident site and your vehicle in order to authenticate the event. This will make it easier for you to settle your automobile insurance claim.

 

Submit Necessary Documents

After filing the FIR and receiving a copy, you can begin the settlement process by sending the required documents to the insurance carrier. Make copies of crucial documents such as your automobile registration certificate, FIR, driving licence, and so on.

 

The Inspection

After you have completed the necessary documentation, you must request that your insurance send a surveyor to begin the inspection process as soon as possible. The surveyor will determine the entire amount of damage done to the vehicle.

 

Things to Remember While Claiming an Insurance Claim

 

After an accident, the mental state of a person is not exactly calm and it heightened more if the driver is alone. But there are a few things one must keep in mind after the accident. 

 

• The insurance claim is required to be filed within a period of time; it is rejected by the insurance company otherwise. 
• In the event of an accident caused by a collision with another vehicle, try to record the car number for later verification.
• When filing a claim, do not enter any false or incorrect information, since this will result in the denial of your claim request.
• Keep all of the paperwork ready in case of any other emergency. 

Conclusion 

It is typical to experience a range of emotions after being involved in an accident. If you sustain some bodily damage, the situation can become much more unpleasant. However, you must strive to remain calm and consider how to get out of the situation. Learn how to file a car insurance claim after an accident in order to cover your expenses.

 

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