Four-wheeler insurance coverage is a legal requirement and essential for financial security. Driver’s ignorance of basic traffic rules and poor road conditions have increased the potential risk of accidents over the years, making car insurance a necessity.
But how to claim insurance after an accident? This guide will help you navigate the process smoothly.
Documents Required For Car Insurance Claim After Accident
Documents required to file a claim against your comprehensive car insurance after an accident include:
- Proof of insurance
- Filed and signed four-wheeler insurance claim form.
- Copy of your driver’s license.
- Copy of your four-wheeler insurance policy.
- Copy of an FIR (For accidents and third-party involvement).
- Copy of the Registration Certificate (Including your four-wheeler model)
Ensure that you present all these essential documents at the time of claim to indicate the genuineness of your request.
How to Claim Car Insurance After an Accident?
Follow the steps below:
Immediately Register Car Insurance Claim After Accident
Register your car insurance claim by calling your insurer or using their mobile application (if applicable). Once your four-wheeler claim is reported, take your vehicle to the nearest authorised network garage for repairs.
You must register your claim as quickly as possible, preferably within 24 hours of the accident and before getting any repairs done on your car. Waiting too long to raise a claim can increase the chances of your insurance claim being rejected.
Submit all Necessary Documents
Your insurance provider will assign a surveyor to evaluate the damage caused by the accident and estimate the cost of repairs before you can start getting repairs done.
Next, you will be required to submit the necessary documents for your four-wheeler insurance, such as your driving license, car insurance policy, and copy of the car vehicle registration certificate, to your surveyor.
For accidents, you must report the incident to a police station nearby and get a copy of your FIR, as you will be required to submit it during your four-wheeler insurance claim process.
Ensure you keep all the repair receipts and bills in case of a reimbursement claim.
Wait For Your Car Insurance Claim Approval
After submitting all the required documents, wait for your car insurance claim to be evaluated and approved. You can review the progress of your car insurance claim process on your insurer’s website.
Car Insurance Claim Settlement
Once it is approved, your insurance provider will pay the reimbursement amount for a reimbursement car insurance claim. However, in case of a cashless claim, your insurer will settle the bill with the network garage where you got the repairs done. Your claim will be settled for the damage or loss after the insurance claim and final settlement amount are approved.
How Long After an Accident Can You File a Claim
You can instantly file a car insurance claim after an accident. It is strongly recommended that you file an insurance claim as soon as possible or at least inform your insurance company about the accident as soon as it occurs. Filing a car insurance claim also ensures that you get reimbursement quickly.
To Wrap It Up
Four-wheeler insurance is essential for financial security. Understanding the steps involved, from contacting your insurance provider to submitting the required documents, is essential to ensure a successful car insurance claim after an accident.
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