You must follow certain procedures to submit an automobile insurance claim, no matter the circumstance. Ensure your vehicle is covered with the best possible car insurance policy and benefits.
You can readily comprehend the procedure for making a car insurance claim by using our step-by-step guide. So, let's get going!
How to claim Car Insurance? Step-by-Step Process
Any owner of a vehicle should consider purchasing auto insurance. In the event of mishaps, theft, or other unanticipated circumstances, it offers safety and peace of mind. However, filing a claim for car insurance can be daunting for many.
Here are a few steps to guide you about how to claim car insurance in case of any unforeseen situation:
Inform the insurance company: Tell your insurance company about the mishap and its seriousness as soon as you can to begin the automobile insurance claim procedure. Insurance companies require every detail of the accident by a certain date. If you fail to do so, your claim could be rejected.
Register an FIR with the local police station: Insurance companies need the FIR to handle claims for bodily injury and auto-related damages. To ascertain whether a mechanical malfunction was the reason, police officials would travel to the accident scene. The driver and any witnesses present will also be noted by the authorities.
Provide the necessary documentation to the insurer: Provide copies of all required documents, such as your driver's license, RC copy, FIR copy, insurance certificate, and images, if any, as well as any other papers the insurer may ask for.
Request for a Surveyor: After submitting your claim form, you must ask your insurance company to assign a surveyor to start the inspection process. Your car's damage will be assessed by the surveyor, who may also assist you in choosing the best repair shop from the insurer's network.
Get your vehicle fixed: Two approaches to settling the dispute exist- Cashless and reimbursement. You can take your car to any network garage for repairs if you prefer a cashless settlement because the insurer will pay the shop immediately. But if reimbursed, you'll have to pay for the repairs upfront and provide the insurance company with the original invoices and receipts to ask for a reimbursement.
If your car gets stolen: Report the incident to your Insurance Company and file an FIR at the Nearby Police Station. Submit the RC, DL, FIR, and other pertinent documents to the insurance provider. If the police are unable to locate the car within a reasonable amount of time, they will issue a non-traceable certificate. The insurance company will settle the claim and pay for the market worth of your car.
Knowing how to make a claim can provide you peace of mind. However, it is important to keep in mind that the claim process may vary depending on your insurance policy and provider, so it is always best to read and understand the terms and conditions of your car insurance policy.
So, if you are looking for any assistance related to car insurance, download the Park+ app to know more. With the right assistance from Park+, avoid any unforeseen circumstances and protect yourself from unexpected losses!