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Claim Car Insurance After Accident Explained

Published On Oct 26, 2020

Read on to see our step by step guide on claiming car insurance, so that you may feel at ease in this regard in the aftermath of an accident.

Driving on the roads can be dangerous, no matter how cautious you are. It is possible to meet with an accident even if you take every care. In such a situation, it is stressful to deal with the aftermath and one can get overwhelmed with all the different tasks to be taken care of. One such task is raising and settling car insurance claim for damages.

Read on to see our step by step guide on claiming car insurance, so that you may feel at ease in this regard in the aftermath of an accident.

STEP 1: Inform Your Insurance Company Immediately

It is very important that you do not delay informing your insurance company that an accident has taken place and that you would be raising an insurance claim for the damages arising from it. Following calls to an ambulance if necessary, providing emergency medical help using your first aid kit, and informing the police, informing your insurance company of your accident should be the next step.

STEP 2: Record All Evidence

It is useful and very important to make recordings, either via photographs, videos, or other documentation, of the damage that has taken place at the accident scene. More evidence will strengthen your claim and make it easier for the insurance company to verify it and thus it will make it more likely for them to find your claim to be genuine.

STEP 3: Lodge an FIR

On informing the police, you should next register an FIR (First Information Report) at the nearest police station. This is an important part of the process of registering an insurance claim with your insurance company and your claim will likely not go ahead unless there is appropriate documentation with the police regarding the occurrence and damages of the accident.

STEP 4: Submit the Required Documents to your Insurance Company

You will be asked to submit necessary documents by your insurance company, including the documentation that you have previously made of the injuries and damages of the accident. You will likely need the following documents:

  • Insurance Policy
  • Copy of the FIR
  • Car Registration certificate
  • Copy of the Driver’s License

STEP 5: Have your Car Inspected by the Surveyor

You must ask the insurance company to send a surveyor to inspect your car and to corroborate the evidentiary documentation that you have collected. The surveyor will also recommend a network garage that the insurance company has a tie-up with where your car can be towed, to ensure no further damages occur.

STEP 6: Get your Car Repaired

Once towed to the network garage, your car can get repaired and if your claim is found to be genuine the insurance company will reimburse you for the expenses. In case of a cashless claim, the bills would be directly settled between the garage and the insurance company.


After an accident, you may feel overwhelmed with the different tasks at hand. One of these is claiming car insurance. If you follow these simple steps, you should be able to seamlessly claim car insurance following the aftermath of an accident.

Types of Car Insurance You Should Know:

Third Party Car Insurance

Comprehensive Car Insurance Policy

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Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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