The sheer volume of vehicles in India makes for a very high traffic density. Even if you drive cautiously and strictly adhere to the law, accidents may still happen. After an accident, the procedure for filing a bajaj allianz car insurance claim has changed over time.
After an incident, follow these steps to file an insurance claim for a car accident:
After an accident occurs, filing a claim with your car insurance provider needs a thorough understanding of the process. The steps for filing an insurance claim and availing of car insurance benefits for a car accident are listed below:
- Let your insurance provider know:
Call your insurance provider to let them know about the collision and provide specific details about the vehicle’s damages. Ensure you do not withhold any information from your insurance since it may be detrimental while resolving disputes.
- Report a Crime to the Police:
As soon as possible, report the collision to the police and, if necessary, submit a First Information Report (FIR). In the event of theft, auto accidents, or fire, an FIR is necessary. If there are only minor dings and scrapes, you might not need to file an FIR. And if a third party is involved in the accident, you will need it.
- Click Photographs:
Take as many photos as you need of the accident site and the damage. To enable the insurance provider to assess the level of physical damages and appropriately settle the claim, make sure the images are clear, and the damages are discernible.
- Provide the Insurer with the Necessary Documents:
The insurance company needs specific paperwork to process the claim, including a copy of the insurance policy, the FIR, the owner’s license, the driver’s license, a copy of the vehicle registration certificate, etc. For a hassle-free experience, make sure you submit these documents and cooperate with your insurer.
- Get Your Vehicle Fixed:
You can take your vehicle to a shop to get it fixed. Instead, you could request that your insurance provider pay to fix the vehicle. If your claim is accepted by the insurer, you will either be paid back or made whole for your loss.
- About a Theft:
Follow the steps to notify your insurance provider and file an FIR at the nearby police station if your automobile is stolen. Send the car insurance company the RC, your DL, your FIR, and other relevant documents. The police will issue a non-traceable certificate if they are unable to locate the vehicle within a reasonable amount of time. The insurance provider will then resolve the claim and pay for your car’s current market value.
Documents required for insurance claims after vehicle accidents:
It’s crucial to present the necessary paperwork when filing a claim with your auto insurance. The list of paperwork needed to file an automobile accident insurance claim is as follows:
- A copy of your auto insurance contract.
- The police’s first information report (FIR).
- A photocopy of the driver’s licence.
- Correctly completed and signed claim form.
- Cash receipts, the initial repair invoice, etc.
- A duplicate of the vehicle’s registration certificate (RC).
- In the event of bodily injuries, medical receipts.
Supplementary Documentation in the Event of a Claim for Reimbursement:
You will need to give the insurance company more documentation if you decide to pay for your own car’s repairs and later file a claim to be reimbursed by following the car insurance claim rules. The documents listed below are for reimbursement claims:
- Genuine repair invoices or payment receipts.
- All further materials as cited above.
Make sure you know the process of how to renew car insurance and do so well on time.
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.
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