Road accidents are a recurrent situation in so many parts of the globe now. In India alone, nearly 1.5 lakh individuals pass away due to car accidents. As shocking as this news is, it is also quite unfortunate and alarming to those who want to ensure safety at every step of their journey. That is exactly why raising awareness around this is more crucial than ever today.
One of the foremost steps to take after a car accident is to naturally inform your insurance provider. But this is only possible when you have car insurance at hand. If you don’t, this article is for you!
1. Contact Your Car Insurance Provider
Your comprehensive car insurance can come to your rescue when you meet with a car accident. It not only helps provide bitsandboxes cover for your car accident but also saves you from experiencing a hefty financial crunch. This goes on to say that people without a car insurance coverage expose themselves to major financial downsides in case of an unforeseen event. That is why it becomes more prudent than ever to register for these insurance covers right away.
If you already have a car insurance renewal, you can get in touch with your car insurance provider straight up after your car accident. Once you inform them about the event, they can prepare to register your claim at the earliest. For this purpose, they will require certain confidential information. Make sure you submit all of them accurately.
2. Seek Medical Aid
If you have experienced a minor injury, it is best to do it with first aid, which comes in handy. But if you think you might need expensive medical assistance, do not hesitate to opt for one. In case of a severe injury, it is essential to call for an ambulance at the earliest hour. During this time, your comprehensive car insurance renewal online can be useful for finding out about the network hospitals for lifeline hospital cashless hospitalization and hands-on checkup.
Motor vehicle insurance can give you good compensation for medical assistance when it is time for one. So, irrespective of the vehicle accident you incur, make sure you scout for them when you have the privilege of it.
3. Lodge A Police Complaint
If you suspect any car has led to this accident, please report it to your nearest police station at the earliest. Lodge an FIR so that the police can take the matter into their hands and administer it as per the set government protocols of your state. This can also help avoid any legal complications.
For this purpose, you need to head to the police station and tell them you need to lodge an FIR. Submit the details precisely as per the instructions and recheck them. You can also submit these details to your insurance company to avoid any lengthy legal procedures. They will handle them professionally and safely.
4. Capture the Damage Done
If your car has incurred a severe accident, it is a good practice to capture the damage. Doing this can help act as evidence when you opt for car insurance coverage. It is important to take pictures of the accident spot, too, so that the claim can be settled without any hassles.
Remember to take very clear pictures that display the damage and other details accurately. That is why it is recommended to use a high-quality camera to capture this evidence for the purpose of obtaining car accident insurance.
5. Submit The Documents As Required
After reporting the incident, it is likely that you will be summoned for the submission of certain documents. This is necessary to complete the claim procedure for your car accident insurance. Here are certain documents you will be needed to submit.
- A police FIR copy
- Repair calculations
- The valid driving license copy
- Car registration certificate copy
- Motor vehicle insurance papers copy
6. Opt for Car Repair
Generally, this also falls under the administration of your car insurance policy. Your insurance provider will send a surveyor to fathom the repairs and the estimate of those repairs for your car. Once that is done, you can send your car for repair to a potential network garage that your insurance provider offers.
But if you wish to get your car repaired in a non-authorized garage, you can do that too. In this case, you can take your reimbursement by sharing information about the repair charges with the insurance provider.
7. Opt For The Claim Settlement
If you have a car insurance renewal, it is important to run a claim settlement. Typically, your insurance provider does it with the network garage that you choose for the car repair. But this is only when you are eligible for a cashless claim settlement.
In the case where you have got your car repaired through a non-authorized garage, the claim amount will be received by you directly from the insurance provider. But it is necessary to keep all the repair bills intact so they can be good evidence for when you want to settle your claim quickly.
Winding Up!
Car insurance renewal online is easier than ever today. So, if you have failed to already renew your insurance policy for your vehicle, it is time to do it now. Remember that during any car accident, this insurance policy could come to your rescue in no time. It could also save you from chunks of financial crunch and crisis. So, what is the wait worth?
Find out about the best car insurance companies like Future Generali available out there today. Scout for the affordable premiums they charge and opt for one that suits you best. When the time comes, we promise; they will come around to help you in need.