How to claim insurance coverage from your insurance provider if your car meets with an accident. Here we are telling you the step-by-step process to claim the insurance amount.
Even if you are a very good driver, anyone can become a victim of a road accident. And sometimes the consequences can be very stressful. Additionally, you may also see your car getting damaged due to natural disasters or calamities. When you are involved in an accident, you need to take steps to make sure everyone is safe, follow the law, and begin the insurance claim process to recover damages. The same process applies in case of natural disasters also.
In such a situation, your immediate action should be to inform your insurance company and follow the correct procedure to make a car insurance claim. It is very important to work with your insurance company after an accident to ensure that your insurance claim is resolved correctly.
How to Claim Insurance Coverage After an Accident
How to claim insurance coverage from your insurance provider if your car meets with an accident. Here we are telling you the step-by-step process to claim the insurance amount.
Notify the insurance company
Notify your insurance provider company about the accident. And give them complete information about the damage caused to your vehicle. Always make sure that you are not hiding any information from your insurance company. Because it can backfire when trying to make an insurance claim.
lodge an FIR with the police
Immediately inform the police about the accident and file an FIR if necessary. Generally, it is necessary to lodge an FIR in case of theft, road accident or vehicle fire. If there is only minor damage like scratches, you may not need to file an FIR. However, if a third party is involved in the accident then you will have to file an FIR.
Take proper photos
Always make sure to take adequate photographs of the damage to the vehicle as well as the accident site. Also, make sure the photos are clear and the damage to the vehicle is clearly visible. So that the insurance company can check the extent of damage caused to the vehicle and settle your coverage claim accordingly.
Send necessary documents to the insurer
To initiate the claim process and get a faster settlement, your insurance provider company will require certain documents. Such as a copy of the insurance policy, a copy of the FIR, a copy of the owner’s driving license, a copy of your car registration certificate. Make sure you submit these documents properly and work with the insurance company for a hassle-free claim settlement experience.
Get the car repaired
You can take the damaged vehicle to the garage and get it repaired. On the other hand, you can request the insurance company to repair the car. If your insurance coverage claim is approved, the insurance company will cover your costs. If you are getting the vehicle repaired yourself, there are two ways to settle the claim:
Advance payment: The insurance company will assess the loss and make advance payment to you.
Submitting Actual Bill: You can submit the estimated cost of repair before the repair or submit the actual bill after getting the repair done. The insurance company will pay the amount as per its policy.
How to claim insurance coverage for damage caused by natural disaster
If your car is damaged due to a natural disaster or calamity, you can claim insurance coverage to get the car repaired. However, it is advisable that you check your car insurance policy document. So that it can be known which things are covered and which are not included in case of an accident due to natural disaster or calamity.
The process of claiming insurance coverage for a car that is damaged due to a natural disaster or calamity is the same as the process of making a claim after an accident. Even in this case, you need to contact the insurance company immediately to start the claim process. Take clear photographs of the damaged car and make a video of it, in which the damage is clearly visible.
You may need to fill some forms or submit necessary details and documents like accident information, a copy of the owner’s license, a copy of the vehicle’s registration certificate, through post or any other communication medium. However, the process of submitting these documents may vary from insurance company to insurance company.
Based on this information, the company will send someone to conduct a survey to investigate and assess the damage.
Be sure to answer all questions asked honestly by the person taking the survey. Because on the basis of that the claim settlement will be done without any hassle. Make sure to give correct information to the person who came to conduct the survey. After verification, the vehicle will be repaired at the workshop. Claim settlement can be done on the basis of advance payment or through reimbursement. But this will be the decision of your insurance provider.
