In our country, obtaining a driver’s license for a car or motorbike can be expensive, and insurance is mandatory. This insurance provides various types of protection in the event of an accident.
It covers hospital expenses in case of injury, and in the unfortunate event of death, the insurance payout can help support your family financially. If you need to file a vehicle insurance claim after an accident, follow these steps.
Regardless of the type of vehicle, it’s the owner’s responsibility to understand the importance of insurance. Familiarizing yourself with the claims process is crucial.
Before traveling, ensure that you have all the necessary documents related to your vehicle, especially your insurance papers. Check that they are up to date and renew your insurance periodically. If an accident occurs, immediately contact your insurance company and provide them with all the details—do not withhold any information.
You should also file a First Information Report (FIR) at the nearest police station. An FIR provides legal protection in vehicle theft or damage caused by unknown individuals.
Go to the police station where the accident occurred and register the FIR, keeping a copy for your records. This step can help you avoid legal issues related to the accident.
Capture photos and videos of the accident scene for evidence. These visuals will help you explain the situation to your insurance provider when you seek coverage.
Be sure to photograph all the damages to your vehicle and the accident scene clearly so the extent of the damage can be accurately assessed.
Next, visit the official website of your vehicle insurance company and apply for a claim. After logging in, upload the required documents on the insurance claim page.
You must provide your policy details, driving license, a copy of the FIR, and vehicle registration certificate. Finally, complete the claim form and submit it.
Request that an insurance officer be sent to assess the damage from the accident. The officer will review the evidence and confirm the details for the insurance company. Depending on the company’s policies, the assessment may take some time.
Wait to have your vehicle repaired until the insurance claim has been approved. You can choose to have the repairs done at one of the garages affiliated with your insurance company at no cost.
Alternatively, you can have your vehicle repaired at any garage and then get reimbursed for the costs by providing all relevant bills and receipts.