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As a vehicle owner, you should know how to file a claim

car insurance

If you are a car owner, then it is necessary to have car insurance. According to the Motor Vehicles Act, 1988, every vehicle owner is required to purchase motor insurance for their car on Indian roads.

Take a look at the type of car insurance before arriving at the issue. There are two types of car insurance. The first is a third-party liability, and the second is comprehensive insurance. Third-liability is the primary type of insurance required by law. It provides coverage in the event of an accident where the policyholder is at fault against the losses suffered by third parties. Third-party insurance only provides benefits to the other person concerned, not the policyholder.

In addition to third party insurance, insurance companies in India provides comprehensive car insurance cover to insurance buyers. Consistent with its name, comprehensive car insurance has more benefits than third party coverage. The policyholder is protected from theft, accident, damage and repair. It also includes third-party responsibilities. To enjoy adequate insurance coverage, insurance experts recommend purchasing comprehensive insurance.

Most people feel that buying car insurance in India is just a waste of money. Some people think that insurance companies do not settle claims for car insurance. That is nothing but misunderstanding. Car insurance claims are paid based on proper verification and terms and conditions by the insurance companies. Here is a guide to help you learn about car insurance claims.

How do I file a claim for car insurance?

The owner of a car carries with it many additional costs. Buying a car is a costly affair, but its maintenance, operating costs, and repair costs are added to the list of current expenses that cannot be neglected. The future is uncertain so that some circumstances can lead to the loss.

Ensure your financial security. It is wise to purchase auto insurance in unexpected and unpleasant situations. Car insurance will protect you from expenses from theft, accident, etc. It is also essential to consider the plan's findings, exclusions, terms and conditions, add-ons and claims resolution when purchasing car insurance.

Here are some points to help you file a claim for car insurance. It will ensure a sleek car insurance claim experience with your insurer. 
  • First, read the procedure for filing your insurance provider's car insurance claim in it's entirety.
  • It is advised that if you face any unfortunate accident, then you should inform the insurance company as soon as possible. Regardless of your situation or mistake, you will immediately contact the insurance company concerned.
  • Also, Customer Support can help you with the process and documents required to submit a request for claim settlement. Clearly, understand the papers that must be provided with an application for a smooth and fast method for claims.
  • At the time of registration of a car insurance claim, many insurance companies require a "proof of loss" form to be provided. Documents such as medical bills, car repair bills, and photocopies of a police complaint report can usually be used as "loss proof."
  • For a hassle-free claim settlement process, it is recommended that you provide all the necessary information and documents. Make sure that you provide all the details related to the accident to the insurer.
  • Save all details of expenses incurred during the event as you must apply it along with the claim form.
  • Print multiple copies of all your documents and keep them in a safe place for quick reference.
  • If you have an accident, do not worry. Next, if you are hurt, or another human, get help. Make sure you receive a medical assistant as soon as possible.
  • Also, inform the local police of the range. Assisting the police, they have to provide all the details necessary to register an FIR.
  • Take photos of the site of the accident on your mobile if possible; these can also be presented as evidence.
  • The insurance company sends a representative to go to the scene of the accident before they issue the insurance claim benefits to you. It is your responsibility to assist the representative and complete all the formalities associated with the claim.