It is true that despite being a good driver, you could be a part of a tragic mishap. It does not necessarily mean that you will be at fault. Be that as it may, if you are involved in a car accident, you will need to follow a few steps to initiate insurance claims.
There is no doubt that the number of cars has recently increased, which has led to accidents going up as well. Even if you drive safely and follow all traffic rules, an accident never comes announced; hence, it will be imperative to know what to do after that. You must know that with the advent of digitization, the entire insurance claim procedure has become more convenient in many ways.
Nonetheless, here are some of the steps worth keeping in mind:
- Make sure to inform the insurance company- Remember that you must always call the insurance office after any accident. Would you mind giving them the details of the damages that happened to your car? Make sure that you are not holding any bit of information to yourself.
- Launch a complaint quickly- Once you can manage to settle down a bit, you must immediately launch a complaint at the nearest police station where the accident happened. Mention the area, pin code, and witnesses if you have any. Remember, if you can take fast action, the less hassling your case will be. This is because any insurance claim depends on the damages as per the police investigation report.
- Take pictures to make sure that you have evidence of the accident scene and place. In the event you find you are a victim of others mishandling the car, you will know that the pictures will be a strong alibi in your case.
- You will need to submit the required insurer documents to deal with the case; the insurance agency requires certain records like a duplicate of the protection strategy, FIR, the proprietor driver's Driving License, a duplicate of the Registration Certificate of your vehicle, and so forth. Keep these records ready in your phone or email at all times.
- Get a surveyor to inspect the accident case and the damages, if car damage is the main thing that you are claiming.
Documents that are required to claim insurance
You should know about a few documents required to claim insurance after an accident. Here are the documents required:
- A copy of the insurance policy
- A copy of the complaint that you launched at the local police station where the accident happened
- A copy of the victim's driving license
- A duly signed claim form
- A copy of the car's registration certificate
- Medical receipts in case of physical injuries
Insurance is non-negotiable
You must be holding a very wrong notion if you are pondering that car insurance is only meant to be used after a mishap. Long-term insurance will cover up many things, such as damages during daily usage as well. If you consider taking guidance from a qualified insurer, you will be able to land a scheme that will cover almost everything for your car, along with giving you personal accident insurance coverage as well. Car insurance is mandatory for your vehicle. Do not skimp on it.
