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Car Insurance Claims: Do’s and Don’ts

Car Insurance Claims: Do’s and Don’ts

If you have recently bought your dream car you ought to know the importance of buying a proper car insurance plan online for your vehicle. Road accidents might cause you a major financial and emotional burden; here’s where a reliable car insurance policy will help you. People are often afraid of the odds that their motor car insurance claim may be rejected. In order to avoid such situations, it is imperative you are aware of the right steps that need to be taken after the car accident or mishap to claim your car insurance.

In this article, we will enlighten you with all the basic do’s and don’ts that you must know when you are filing the car insurance claim for your vehicle.

Important Do’s

A claim is taken when an insurer meets with an accident. The process of filing the car insurance claim starts at the accident spot itself. When you are making a four-wheeler insurance claim, here are a few points to consider:

  • Do Inform the Police: Whenever you have been involved in a car accident or road mishap, it is your duty to inform the police immediately. Once the police arrive, the police will file the FIR and other important procedures. It is vital to note that you will not be able to file any insurance claim unless you receive the proper FIR copy from the police.
  • Do Inform the Insurer: Without any delay, you must inform the particular insurer or the car insurance company about the accident or mishap. It is important to note that If there occurs a significant gap –like 3 days or more after the accident, there are chances of your insurance claim being rejected right away.
  • Do Click Pictures: Most of the car insurance companies might ask for proper proof of the car accident. If it is possible, you can go forward with clicking pictures of the accident spot to help you with the claim-filing process and further legal proceedings.
  • Do Practice Honesty: When you are filing the motor car insurance claim, it is important to be as honest as possible. You must give the accurate details of the accident both to the police and to the insurer. Any incorrect information might lead to major complications later on.
  • Do Confirm Your Car Insurance Coverage Policy: Once you have informed the insurer, you can re-read the car insurance coverage policy & the related documents to fully understand the claiming process. You must also analyze everything that is covered under the given insurance policy as purchased by you.
Important Don’ts

As important as the do’s, there are some things you should refrain from in order to aim for a successful claiming process. Here are some:

  • Don’t Run Away from the Spot: This could be your biggest mistake towards getting your car insurance claim approved. It is vital for you to make a point to never run away from the spot of the car accident or mishap, even when it is your fault. It is not only illegal to do so, there are higher chances of your claim getting rejected as well.
  • Don’t Become Aggressive: In case of a car accident, it is important you maintain your calm and be patient instead of lashing out at others. Should you be involved in any sort of physical assault to the third-party, it could land you in serious trouble. Moreover, it will also make the claim process difficult for you.

Make sure that you follow the important do’s and don’ts while filing the car insurance claim during a car accident or road mishap!

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