Road accidents are the first event in a car insurance claim. Due to the driver’s negligence, the accident may have involved two vehicles colliding on the road or a car striking an immovable object.
It is normal to experience a wave of emotions after being in an accident. The situation may become even more stressful if you sustain any physical injuries. However, you must try to maintain your composure and consider your options for escape. Learn how to claim car insurance after a collision to cover the costs.
Claims are subject to terms and conditions set forth under motor insurance policy.
How To Proceed After An Accident To File A Claim With Your Car Insurance
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Let Your Insurer Know
Inform the car insurance provider of the accident and its severity as soon as possible to start the car damage insurance claim process. Most insurers have a deadline by which you must notify them of the accident; if you miss the deadline, your claim may be denied.
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Register An FIR With The Local Police Department
To file a First Information Report (FIR) at a police station is equally important. The FIR is a crucial document that insurers require to resolve claims for bodily harm and car-related damages. Police officers will go to the accident scene to determine whether a mechanical failure was the cause. The authorities will also note the driver, witnesses present, and passengers injured in the collision.
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Record A Video Or Take Pictures As Proof
Even though dealing with a car accident can be incredibly stressful, you still need to be alert, try to take pictures of the accident, and gather evidence. Using it will help you prove your point when filing a car insurance claim. If the photos of the physical wounds and car damage are available, they can support your claim by acting as evidence. Additionally, it would be beneficial if you wrote down the witnesses’ names and contact information.
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Have The Paperwork Sent To The Insurance Provider
Once you have filed the FIR and have a copy, you can start the settlement process by giving the insurance company the required paperwork. Make sure to submit copies of all necessary paperwork, including your driver’s license, insurance certificate, FIR, car registration certificate, and other documents the insurer may require.
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Request A Surveyor Be Sent By The Insurer
It would help if you asked your insurer to designate a surveyor to begin the inspection process after you submit the claim form. The surveyor will evaluate the harm done to your car, and they might also help you select the ideal network garage from the insurer’s network to repair the damage. After you notify the insurer of the claim, the survey typically occurs two to three days later star2news. *
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Have Your Vehicle Fixed
You must get your car fixed and start the Bajaj Allianz third-party car insurance claim procedure after the surveyor has finished the assessment. There are two methods to settle the dispute. If you prefer a cashless settlement, you can have your car fixed at any network garage, and the insurer will pay the network garage directly.
Claims are subject to terms and new york times connections conditions set forth under motor insurance policy.
You will be able to avail of all insurance benefits only when you do your Bajaj Allianz 4-wheeler insurance renewal on time.
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*Standard T&C Apply
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