Follow these simple steps to file a claim for damage to your car under your comprehensive car insurance or a separate damage cover.
Tell your Insurer: You must tell your insurance company as soon as possible about the accident. The faster the claim payment process goes, the sooner you can get your money. You should keep in mind that you can only claim car insurance for your own damaged vehicle within a certain number of days after the accident. Any claim made after that time is not accepted. You must either check with your insurance company or read your policy to find out the information.
File an FIR: File the First Information Report (FIR) as soon as possible at the police station closest to you. For a car insurance claim, the accident record is very important. File an FIR on the day of the accident if you can, or as soon as possible.
Estimation of Damages: After you file an FIR and tell your insurance company, the insurance company sends an assessor to look at the damage or loss. Your insurance company will settle your damage claims based on the surveyor's final report. You can choose between a cashless settlement claim or a refund settlement claim.
Also, you should never try to pull the car yourself if you want to avoid more damage.
Claim Settlement: In a cashless claim payment process, the repair costs are paid for by the network garage once the surveyor turns in the final report. If you choose the reimbursement settlement claim method, claims are settled after you send your insurance company receipts for the cost of repairs.
You should know that while your insurance company will pay a large part of the cost to fix your car, you will still have to pay some of the costs yourself. This is called a "mandatory deductible."
Filing a claim for your own damaged vehicle can be a stressful and overwhelming process, but it's important to act quickly and follow the necessary steps to ensure that you receive the coverage you're entitled to. By gathering all the necessary information, documenting the damage, and working with your insurance company to file a claim, you can get your vehicle repaired or replaced and get back on the road as soon as possible.
Remember to keep a record of all communication with your insurance company and be prepared to negotiate if necessary. Park+ app can help you keep a check on your car insurance policies.