Maybe you are a newbie in driving or getting late so driving fast or may have lost mind somewhere, these all can lead you met an accident while driving. Even a driving expert can have a mishap because of the noticeably terrible traffic conditions and lacking concentration and sometimes by the fault of others. An accident can be minor or major yet the car body can get damaged in both the case. As you probably are aware that the car parts are excessively exorbitant and when you buy luxury cars you have to spend enormous whenever it gets damaged.
To save the money spent on car spare parts and making the cashless repair go for the best insurance policy available. When you met an accident you have to follow some steps to claim the insurance for the damaged vehicle. Here we have listed what you should do and what should not after you met with an accident.
Things to take care of while you met with a car accident
When you met an accident, you need to follow a step-by-step procedure to claim the insurance and get it without any hurdles. Meeting an accident sometimes can be a distressing case either mentally, physically, or financially. In the case of financial stress, if the insurer doesn’t approve your insurance claim then it tends to be a most pessimistic scenario.
Thus take care of the following things while your car met an accident and you are claiming the insurance for the damage.
On spot photo & video shoot
Clicking the photo or shooting the video of the damaged vehicle or the accidental site can help you to let your insurer comprehend the subtleties of the accident. A clear view of the site will help you to get insurance hassle-free.
Police complain & file FIR
When the damage is minor, with few dents or just scratches there will be no compelling reason to file a police complaint but when the accident is major, the vehicle got huge damage, and also if the third party is involved in an accident it’s compulsory to file a case. FIR will be filed when it’s a theft case, road accident, or damage due to Fire.
Contact Insurer Company
Contact your insurer immediately when you met an accident as the claiming of insurance can be very crucial if you don’t make it right. Quickly call to insurer and let them know every single detail about the accident. Make sure no information be hidden from the insurer as it can create hurdles while settling the insurance.
It is advised to inform your insurer as soon as possible or in the time specified by insurer in the insurance policy. Most of the insurer specify that you have to inform them in 24 hours after an accident, however this limit varies from company to company.
The insurance company will need certain documents for settling the insurance claim as a copy of your driving license, the certificate of vehicle registration, insurance policy, and FIR, repair bill, or cash receipt in the event of reimbursement. Make sure to submit all the required documents and go with the process of getting insurance settled well.
Get your car damage fixed
Contact the nearest car repair service center and get your car repaired or ask the insurer itself to get your car damages fixed. If the insurer approves the damage loss claim then you will get the money you invested reimbursed. All the previously existing damages will not be cleared, insurance company only pay for the current loss.
Don’ts – What you should not do
There may be some activity that can cause problems in settling the insurance claim from your insurer. You should be cautious while you have met an accident and need to avoid some deeds for Hassel-free cashless accidental repair. The main thing you need to take into consideration is
Don’t leave the accident spot
If you run away from the place, you will look suspicious and can get into a difficult situation, instead observe the accidental spot and try to gather as much information as possible.
Vehicle insurance is the way to repair the accidental car cashless as you can get the damage loss from your insurer. Claiming the insurance and getting the repair cashless can be very crucial even though the technology and digitaization made it easy to raise a case. If you don’t do it correctly, you may miss the chance to get a cashless accidental repair.
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Deepa is the Brand Manager of wheelforcecentre.
