If you don’t know where to start, filing an insurance claim can be daunting. When filing an auto insurance claim after an accident, you will need to gather all relevant information.
An insurance claim is a formal request to the insurance company for compensation for damages suffered by the policyholder. Compensation is paid in accordance with the cover provided by the insurance company under the insurance contract to the policyholder.
There are two ways to file an insurance claim: cashless or reimbursement. When an insured has his car repaired at one of the insurance company’s partner garages, the claim is settled without cash because the insurance company pays the garage directly for the repair costs.
Documents required for processing an auto insurance claim
The policyholder must submit certain documents as part of the auto insurance claim settlement process in order to validate and accept the claim. In addition to submitting the required documents, you must also complete the insurance claim documents. The following documents are required as part of the claim settlement process:
- A copy of the Police Department’s First Information Report (FIR)
- A copy of the insurance policy
- A copy of the driver’s license
- A copy of the car registration certificate
- Additional documents in the event of a reimbursement request
- A rough estimate of repairs
- A medical report in case of physical injuries
- Original receipts for other expenses
How to file a claim for personal damage to the car
When filing a claim for damage to your own car, you should follow these steps:
- First and foremost, you must notify your employer before sending your car to the garage for repair. Once you have done this, the company will send an expert to examine and verify the damage, which will facilitate the payment of your claims. The examiner’s report will be sent to you and your insurance company and will include documentation of the damage as well as an assessment of the extent of the damage.
- Second, you must complete and submit the claim form designated by your insurance provider. It is something that can be done both online and offline. However, you must ensure that no crucial element is overlooked.
- Third, you must provide the requested documents, which normally include a copy of your driver’s license and a copy of your registration certificate, along with the form. You must also provide a copy of the police report in case of theft or traffic accident.
- You must provide a copy of the invoice to support your claim once the automobile has been repaired and you have received the invoice.
- Once all documents have been reviewed and verified, the insurance company will process the claim and reimburse you for your losses.
How to File a Third Party Damage Claim
If you were involved in an accident that caused injury to a third party or property damage, you can file a claim by following these steps:
- As soon as you receive the notice of claim, notify your insurance company. Along with this, you must also present your car registration certificate, driver’s license and police report.
- Once the documents are confirmed, the insurance company will provide you with the services of a lawyer.
- If you are required to pay damages after the case goes to court, your insurer will make the payment on your behalf, up to the insured amount.
Steps to File a Theft Claim
If your car has been stolen, you can file a claim with your insurance company by following these steps:
- First, as soon as possible, submit a police report and file an FIR. Send a copy of the FIR to your insurance company once this is complete. Attach a copy of the final police report and the registration certificate.
- The insurer will reimburse you the sum insured once all the documents have been validated and all the formalities have been completed.
When you have been in a car accident, what should you do?
Accidents are unforeseen and can leave us perplexed. If you are involved in an accident, the following can help you file a claim more efficiently:
- Inspect yourself and your vehicle for damage right away. Determine whether or not you need medical attention based on your condition.
- If another car is involved in the accident, try to write down the contact details of the other party. This will make it easier to locate the other party.
- If possible, write down the contact details of nearby witnesses, as they can confirm your testimony.
- Inform your insurance company and ask for an adjuster.
- You can now choose the cashless reimbursement option if you have access to a partner garage.
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