How to Make a Car Insurance Claim
Lakhs of car owners make car insurance claims every year. But that doesn’t in any which way make it a simple process, especially for those owners who have never made a claim before.
In order to ensure that your claim is successful and hassle-free, we decided to chalk out a step-by-step guide for you.
Details are of prime importance
You should make a conscious effort to note down everything that happened in the accident – where, when, how, et al – while the events are still fresh in your mind. You will soon realise that making those notes will enable you to give a comprehensive and more accurate account of the incident. If the situation permits, take a photo of the incident scene.
Also, if your car insurance claim is based on criminal grounds, such as theft or vandalism, then you should immediately contact the local police and lodge a FIR. You will need the FIR number to register your car insurance claim with your insurer.
Get in touch with your insurer at the earliest
Once you have registered the FIR and prepared your notes, get in touch with your insurer at the earliest. This will not only help you to speed up the claims process, but also help you to avoid changing your story later, which will only result in the insurer doubting the authenticity of your car insurance claim.
Maintain proper records
Keep an organised record of all your dealings with the insurer, police, garage and any other party related to the car insurance claim. Retain all the necessary documents and note down names and contact details of individuals you are dealing with.
Look before you leap
Some insurers will only agree to pay for repairs carried out by approved garages. So check with the insurer before taking your car to the nearby garage. It is advisable to wait for your insurer to contact you with the details before rushing off to have your car fixed yourself. Otherwise, you could end up paying for the repairs out of your own pocket.
Seal the deal
In accordance with the terms and conditions of the policy, the insurer is entitled to refuse to pay out in certain situations. However, if your claim is rejected, or the insurer only agrees to pay out a sum that you feel is unsatisfactory, take up the matter with the car insurance company and negotiate a mutually agreeable amount.