In part one of this post, we detailed our own damage insurance claims. We learn that own damaged car insurance can be claimed in cashless mode & reimbursement mode. Many documents are required to file the claim process. The complete list is given in the previous post.
Now when we have every information & documents. Here is what we need to do – follow the steps. Most companies follow this process & steps meticulously. We just need to keep engaged.
How To Claim Car Insurance For Own Damage?
Do not worry, as the process is methodical and straightforward. After experiencing an accident, initiating a claim with your car insurance provider requires a comprehensive understanding of the procedure.
Here’s a breakdown of the steps to claim insurance for car damage:
Step 1: Inform Your Insurance Provider
Reach out to your insurance company immediately to report the incident and provide detailed information about the damages to your vehicle. Transparency is crucial to avoid complications during the claims process.
Step 2: File an FIR with the Police
If the situation demands, file a First Information Report (FIR) with the police as soon as possible after the accident. This is necessary in cases of theft, car accidents, or fires. However, minor scratches and dents may not require an FIR unless a third party is involved.
Step 3: Gather Photographic Evidence
Capture as many clear and discernible photos as possible of the accident scene and the damage to your vehicle. These visuals are instrumental in enabling your own damage insurance provider to assess the extent of the damages accurately.
Step 4: Provide Required Documentation to Your Insurance Company
Ensure you furnish your insurance company with all the necessary paperwork to facilitate the claim process. This includes a copy of your insurance policy, the FIR (if applicable), your driver’s license, and the car registration certificate.
Step 5: Arrange Repairs for Your Vehicle
Once your claim is approved, you can proceed with getting your vehicle repaired at a workshop of your choice. However, it’s crucial to wait for approval from the surveyor before initiating any repair work.
Step 6: Navigate the Claim Settlement Process
If you go for the cashless claim settlement option, the repair expenses are directly deposited with the network garage upon receipt of the surveyor’s final report. Alternatively, for reimbursement settlement claims, you need to provide your insurance company with the repair amount receipts.
It’s essential to note that while your own damage insurance provider will contribute a necessary portion to the cost of repairing your vehicle, you are still responsible for paying the mandatory deductible.
Important Factors to Remember When Making Claims for Own Damage Car Insurance
Here are some key points to remember when raising own-damage car insurance claims –
Prompt Notification
Notify your insurance provider immediately after the incident, preferably within 24 hours. Delayed notification may result in claim denial.
Police Involvement
If necessary, report the incident to the police and ensure that a First Information Report (FIR) is filed at the nearest police station as required.
Assess the Situation
Evaluate the extent of damage and choose the appropriate course of action. For minor damages, consider utilizing the No Claim Bonus (NCB) instead of filing a claim.
Accurate Information
Ensure that all information provided on the claim form is accurate and truthful. False information can jeopardize your claim.
Legal Compliance
Adhere to legal requirements and follow the prescribed processes in case of an accident. Gather all necessary documents to support your claim.
Dispute Resolution
Refrain from immediately agreeing to a resolution with the third party involved in the incident.
Avoid engaging in conflicts and eventually strive to reach a mutually agreeable resolution to minimize misunderstandings.
By keeping these points in mind and following the proper procedures, you can streamline the process of raising your own damage car insurance claims and increase the likelihood of a successful outcome.
In conclusion, navigating the complexities of claiming car insurance for own damage demands meticulous attention to detail and adherence to proper procedures.
Despite being a cautious driver, accidents can still occur, underscoring the importance of having the right insurance coverage.
Whether opting for a cashless claim settlement for convenience or a reimbursement claim for flexibility, the process involves essential steps, from promptly notifying your insurer to providing necessary documentation and coordinating repairs.
By understanding the nuances of the claims process and following key points, such as prompt notification, legal compliance, and accurate information provision, you can pave the way for a smoother journey toward resolution. Remember, in moments of uncertainty and stress, your car insurance serves as a reliable lifeline, offering financial protection when you need it most.
