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Tuesday, April 26, 2022

how to claim motor accident insurance without lawyer in india

How to file a claim for motor vehicle accident insurance in India without a lawyer

In India, how do you file a claim for car insurance after an accident?


Because of the large number of vehicles, traffic density can be extremely high. Even if you drive cautiously and observe all traffic rules, an unforeseen mishap may occur. The procedure for filing an auto insurance claim after an accident has changed during the past year. Various technological transactions have made following some procedures easier. Continue reading to find out what steps you should follow after an accident in India.


Procedure for Filing a Car Insurance Claim After a Collision:



Claiming automobile insurance after an accident necessitates a thorough awareness of the steps involved in filing a claim with your insurance carrier. A step-by-step approach to filing an insurance claim is provided below:



1. Notify your insurance provider:


Call your insurance carrier and advise them of the collision, as well as the extent of the damage to your vehicle. Make sure you don't withhold information from your insurer because it could be detrimental in the event of a claim settlement.


2. Submit a FIR to the cops:


Notify the police about the accident as soon as possible, and fill out a First Information Report if necessary. In the event of theft, a traffic accident, or a fire, a police report is required. You may not need one for minor dings, but you will need one if a third party is involved in the accident.


3. Take Photographs:


Make sure you photograph the damage and the scene of the accident in sufficient detail. Ensure that the shot is clear and that the damages are evident so that the insurance company can assess the degree of the physical damage and appropriately settle the claim.


4. Provide Insurer with Required Documents:


To process the claim, the insurance company will need certain documents, such as a copy of the insurance policy, a copy of the police report, the owner-license, driver's driver's and a copy of the registration certificate for your car. You can submit these documents and have a hassle-free experience working with your insurer.


5. Have Your Vehicle Repaired:








You can have your vehicle fixed at a garage. Alternatively, you can have your insurance provider fix it. If your claim is approved by the insurer, you will be refunded or compensated for your losses.
















Also see: Total Loss That Isn't Destructive








6. If Theft Has Occurred:








If your car is stolen, you must notify your insurance provider and submit a police report with the local police station. Submit documents to the insurance provider, such as your, your FIR, and so on. If the authorities are unable to locate the vehicle in a fair amount of time, they will issue a non-traceable insurance policy, which will settle the claim and pay the current market value of your vehicle.
















To file a car insurance claim, you'll need the following documents:








One of the most crucial components of filing an automobile insurance claim is submitting the required documentation. The following is a list of documents that must be presented when filing an automobile insurance claim:
















a copy of your automobile insurance policy
















The police have filed a First Information Report (FIR).
















a copy of the driver's licence
















Claim that has been properly filled out and signed














a copy of the original repair bill, a copy of the cash receipt
















a photocopy of your vehicle's registration
















In the event of an emergency, a medical receipt is required.
















Also see: 25 Car Insurance Secrets Your Agent Won't Tell You








In the event of reimbursement, an additional document is required.








If you want your automobile fixed for money and subsequently file a claim for reimbursement, you will need to present additional documents to the insurance company. The following documents are required in the case of a reimbursement claim:
















Original repair bills are paid in cash.
















All other documents in the preceding list

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