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Steps To Claim Car Insurance After A Road Accident

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Buying and maintaining a car is expensive, so you would not want anything to happen to it. However, god forbid, if you were ever in an accident, you would want to recuperate as much money as you can. Therefore, it is essential for you to know how to properly file a claim for car insurance. So, let’s check out the process of filing a claim.

The process of Car insurance Claim

The first thing to do after the accident is to contact your car insurance company. You will need to enquire the required paperwork if you do not know it, as asked by the investigator. It may be possible that the investigator may need to have your car transported to a garage. The garage would be of someone they know and trust. It is done to gauge the estimate of damage. If you have a cashless policy, the insurer may get your car repaired as soon as possible. However, if you decide to file a claim for reimbursement, then you will need to get repairs done yourself. You can submit the bills incurred for the repair to the insurance company and the company will reimburse the money after verification of the damages as well as the documents submitted for the reimbursement.

Points to Remember

Bharti AXA provides you with customized quotes for insurance based on your needs to ensure that you pay for what you need and nothing extra. You can opt for add-on covers if you wish for additional coverage for your car. Moreover, you can avail round-the-clock customer services and assistance offered from Bharti AXA for a hassle-free claim procedure.

  1. Remember to inform the police immediately. A copy of FIR describing the circumstances of accident will need to be shared with by your car insurance company.
  2. You should not have to involve your insurance agent. All you need to do is contact the customer care department of your insurance company. They will be able to provide you with all the required information.
  3. Ensure that there are no mistakes while filing your car insurance claim. Avoid typo errors, incorrect credentials, incorrect details of your policy and information about the car.
  4. Do not, under any circumstances, make an on-the-spot settlement. Abstain even if the third party offers to do so to avoid any hassles.
  5. Ensure that the deadline of the claim is met. If you fail to file your car insurance claim before the deadline, you may not be eligible for reimbursement.
  6. Do not be untruthful about the claims, or else it may tarnish your reputation, and insurance companies may be reluctant to offer you insurance in the future.

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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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