How to Claim Car Insurance for Own and Third-Party Damage Effortlessly: A Step-by-Step Guide 27122021

How to Claim Car Insurance : In today’s digital age, insurance companies have made the process of filing car insurance claims a hassle-free endeavor. By following a few simple steps, policyholders can navigate the claim process swiftly and efficiently. Whether it’s for own vehicle damage or third-party liability, here’s a comprehensive guide to making car insurance claims without unnecessary complications.

Claiming for Own Vehicle Damage:

Accidents on the road can happen to even the most cautious drivers, resulting in damage to their vehicles. In such unfortunate events, insurance can come to the rescue, covering the repair costs as per the policy terms. To ensure a smooth and successful claim process, follow these steps:

Step 1: Notify Your Insurer Promptly

Venkatesh Naidu, CEO of Bajaj Capital Insurance Broking, emphasizes the importance of immediate action. Contact your insurer via phone or email as soon as the incident occurs. Delaying the notification can increase the chances of claim rejection. Most insurers require claims to be reported within the first seven days, adhering to their guidelines.

Step 2: Gather Essential Documents

Collecting the necessary documents is crucial for a seamless claim process. Keep these records secure, either as physical copies or in digital format for easy access:

Driving License
Copy of the Insurance Policy Certificate
Registration Certificate (RC) of the Insured Vehicle
First Information Report (FIR), if lodged
While physical copies are preferable, digital submissions are acceptable if the documents are lost or damaged, especially in cases like floods.

Step 3: Avoid Actions That May Lead to Rejection

Animesh Das, senior director of motor underwriting at Acko, highlights that not every car insurance claim is guaranteed approval. Insurance companies reserve the right to accept or reject claims, so it’s crucial to take precautions to prevent rejection. Here are some tips:

  • Avoid attempting repairs on your own or involving local mechanics.
  • Do not attempt to start a flood-damaged vehicle. Have it towed to a workshop.
  • Capture extensive photos and videos of the damaged vehicle as evidence.

Step 4: Keep Track of Your Claim

Once you’ve filed a claim with your insurer, make sure to obtain a claim docket number. This reference number will help you monitor the progress of your claim request and ensure efficient communication with your insurer.

Claiming for Third-Party Losses:

When your vehicle causes damage to someone else’s property in an accident, you’ll need to file a third-party insurance claim. Here’s how to do it:

Step 1: Lodge an FIR and Obtain a Charge Sheet

If your vehicle is involved in an accident causing damage to a third party, it’s essential to initiate legal proceedings. File a First Information Report (FIR) at the local police station and obtain a charge sheet as evidence.

Step 2: Notify Your Insurance Company

Inform your insurance company about the third-party claim and submit the necessary documents, including the FIR and charge sheet.

Step 3: Claim Resolution at Motor Accident Claims Tribunal

All third-party claims are typically settled at the Motor Accident Claims Tribunal. It’s important to note that claims may not be covered in cases involving drunk driving or driving without a valid license.

By following these straightforward steps, policyholders can navigate the car insurance claim process with confidence and increase their chances of a hassle-free resolution for both own vehicle damage and third-party liabilities.

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