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How to claim car insurance after an accident in India


You bought your dream car and are driving it joyfully on the road. It is the most thrilling thing to do to enjoy a drive in your most prized possession. But suddenly everything comes to a halt. Another car comes from the wrong side and collides with your car. Accidents can be truly unnerving. And if there is a physical injury included, it gives even more agony. The most common thing to do is to panic. First of all, do not fret. Calm down. If you are stressed, you will not be able to think straight. First see what is the nature of the injury to yourself and your passengers? Once you have sorted that out, do ensure to follow the below mentioned steps for a hassle free claim:

Call your insurer: Make a call to your insurance company and inform them about the accident that has happened. Give them all the details for the records and tell them about the damages.

File an FIR: Go to the nearest police station and file an FIR. Inform them about the incident and how it all happened.

Record all the details: Take the car number, model and colour of the car you met with an accident with. If possible record the statement of the witnesses too.

Take photos: Take as many pictures as possible of the damages incurred to the car. This will help later during the processing of the claim settlement.

File the claim: Fill in the claim form and ask your insurance company to assign a surveyor to evaluate the loss.

Online option: You can also submit your claim form online by duly filling the form.

Documents required to file for a claim:

The insurance company needs to evaluate your claim by validating the list of documents that are needed. Submit the documents along with the claim form for a hassle free process. Following is the list of documents that you need to submit at the time of the claim process:

  • Copy of your insurance policy
  • First Information Report (FIR) filed with the police
  • Duly filled up and signed Claim Form
  • Copy of the registration certificate of your car
  • Copy of your driving license
  • A detailed estimate of the repairs
  • Medical receipts in case of physical injuries
  • Original records of other expenses incurred

Now that you know what are the dos in case you meet with an accident, here is a list of don’ts that you should keep in mind:

Don’t run away from the scene: Even if you are at fault, don’t run away from the spot. Driving the car away may cause more damage to the car and the claims will not cover that.

Do not hide facts: Sometimes you tend to hide the facts or exaggerate it to get more money in return. Don’t do either of that. Not disclosing the truth can do two things: it might render your policy invalid or your claim request might get rejected due to unclear information.

Do not settle with the third party: At times, the third party involved in the accident asks to settle the matter by offering a deal, without informing the insurance company. Don’t ever do that.

Do not sign final settlement papers in haste: Do not give the insurance company anything in writing to the insurance company before you have had a chance to review your policy. Do not sign any release until you obtain legal advice or believe that the first estimated value is the ultimate.

Let’s look at the claim settlement process. There are usually two methods of claim processing – cashless or reimbursement. However, Bajaj Allianz General Insurance customers get the additional benefit of having the third, super-efficient option of Motor OTS for claims up to Rs. 30,000*.

Cashless process or Bajaj Allianz Preferred Workshop: You can opt for cashless process if you get your car fixed at the designated 4000+ garages in our network. This way you will only have to shell out money for the ‘excess’ which is mentioned in the policy. You will have to submit the required documents and your job would be done!

Reimbursement process or On-Account Payment: Through this, you can get your car fixed at the garage of your own preference. You will borne the expenses and we will pay you the money later once your car is fixed after verifying the required documents.

Motor OTS process: With this feature, you can get your claim settlement process instantly. This helps you file claims up to Rs. 30,000*. You can self-inspect your car and receive the claim amount in your account in 20 minutes after filling all the necessary details through our mobile app. This service is specially designed for the Bajaj Allianz customers.

With the above things in mind, proceed for your claims. If you have Bajaj Allianz Car Insurance Policy, your claim settlement process will be hassle free. If you are not happy with your current car insurance policy and wish to change, go for the best one in the industry—Bajaj Allianz Car Insurance Policy. They have easy to buy and renew policy, 4000+ garages tie up, zero depreciation, 24×7 spot assistance and motor-on-the-spot scheme.

Be safe on the road and buy Bajaj Allianz Car Insurance today!

*Claims for two wheeler up to Rs. 20,000 and for four wheeler up to Rs. 30,000 can be processed with the Motor OTS option.

 

 

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Published on:26 Dec, 2019

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