New Delhi. Even after following good driving and safety rules, there are some chances of road accident. In this case the car also gets damaged. However, if the car is insured, then the loss can be covered. There is a process to make an insurance claim, which needs to be followed.
How to claim car insurance in India?
In order to cover the damage caused to the car in any accident, it is necessary that the procedure of the insurance policy is followed properly. Let us go through the process of claiming car insurance in India in simple steps.
1. Inform your insurance company – Give information about this by calling your insurance company soon after the accident and tell all the details about the damage done to the car correctly.
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2. File an FIR Report with the Police – Immediately inform the police about the accident. Also file an FIR report if needed. In case of theft, road accident or fire, it is necessary to register an FIR with the police. Minor dents and scratches on the car do not require an FIR. If any third party is involved in this accident, then in such a situation also FIR will be required.
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3. Take pictures of the car and the accident location In order to claim post-accident insurance, it is necessary to take adequate photographs of the car and the accident site. This is required as proof for the claim.
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4. Submit Required Documents Some important documents are required by the insurance company for a claim, such as a copy of the insurance policy, FIR, owner-driver’s driving license, a copy of the registration certificate of your car, etc. So, submit these documents carefully.
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5. Get Your Car Repaired – Take your car to the garage to repair the damage it caused after the accident. You can also ask your insurance company for this. The damage caused to the car will be reimbursed once the claim is cleared by the insurance company.
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6. Action to be taken in case of theft If your car is stolen, inform your insurance company about it. Along with this, register an FIR in the local police station. Submit the documents like RC, your driving license, FIR etc with the insurance company. If the police are not able to locate the car in due time, will issue a non-traceable certificate. The insurance company will then settle the claim and pay the current market value of your car.
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