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A car owner takes insurance coverage to protect him or her from the risk of unforeseen liabilities. Under the Motor Vehicles Act, no car can be driven on the Indian roads without a third party insurance coverage. Any violation of the provision of the law will attract imposition of steep fines on the car owner.
So, it is prudent and plain common sense for all vehicle owners in India to have the appropriate insurance coverage for their cars. There are two types of insurance coverages for them to choose from.
Difference Between Third Party & Comprehensive Insurance Coverage
The third party insurance coverage provides coverage of the financial liabilities due to a road accident which results in injury to the victim or death. It also includes financial coverage of third party loss or damages to the property due to an accident.
The comprehensive insurance coverage includes third party insurance claims. It also offers financial protection from various other risk factors which can happen while driving on Indian roads.
How to Settle A Third Party Liability Claim?
A car owner has had an accident due to which a third party compensation claim has been raised against him or her. To settle such a claim the owner must check the following process has been undertaken by the claimant.
If the above steps have not been followed, there is a high probability that the claim will fall through.
How to Settle Other Types of Car Insurance Claims?
If the car owner has damaged his own car by an accident, he or she must undertake the following steps to settle the car insurance claim in a hassle free manner by the insurance company.
Generally, these are the broad steps to be executed by the car owner to settle any form of a car insurance claim made to the insurance company.
Partial Settlement of Claims
Sometimes the insurance company does not allow full settlement of the car insurance claim made by the car owner. The reasons are broadly stated below.
In such a scenario, the insurance company can approve a partial settlement of the claim of the car owner.
Reasons for Rejection of Car Insurance Claim
There are chances that your car insurance claim may also be rejected by your service provider. This can happen under the following circumstances:
These are the don’ts that every car owner has to follow before making a claim to the insurance company.
The Norms to Be Followed by The Car Owners
Regardless of how easy and convenient the process of a car insurance claim maybe, you would want to avoid being in such a situation, nonetheless. For this, every car owner must abide by a set of norms.
Never keep your car unlocked even in anxious times. Keep the insurance policy document in the car itself. Study your car insurance policy document carefully and know beforehand what is covered and what is not covered.
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Disclaimer :The information published on this website is for the public's reference only. Content of this information is to provide an overview of your Insurance needs and should not be relied upon for personal, medical, legal or financial decisions and you should consult an appropriate professional for specific advice for Travel/Health/Motor. Bharti AXA General Insurance Company Limited makes no representations about the suitability, reliability, timeliness, and accuracy of the information, travel, services, or any other items mentioned on this subject for any purpose whatsoever.
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