Do's and Don'ts To Follow While Filing Car Insurance
Going on a long drive while driving can be entertaining, but an untoward event can spoil everything. In case of such incidents, you should file for an insurance claim to recover the cost of damages. However, it requires you to follow certain processes, the Do’s and Don’ts of car insurance.
Even the most cautious driver can experience a car accident. You might have a spick and span driving record and a good track history of avoiding accidents but, at times, life has other plans. Car insurance claims occur, and when they do your insurance company will be there for you. It might seem like a lot but keep in mind you are not alone. Adhere to the car insurance do’s and don’ts to make the insurance claim process successful.
Do's and Don'ts While Filing Car Insurance
The car insurance claim process comes with a list of do’s and don’ts. By following a list of do’s and don’ts before filing a claim for the damage you can expect the process to be smooth.
Ensure you have a legitimate license and other documents before filing a claim. Lack of any of the essential documents will make your claim void.
- File the First Information Report (FIR) while filing a claim. The first thing to do after a road accident is to inform the police. This is used by the insurance provider while processing the claim.
- After filing the FIR, call the insurance provider. Calling them with minimum wait is the most excellent way to make the claim process simpler. Most policy providers have a gap of 24 hours to 48 hours from the time of the accident to file a claim. Thus, call your policy provider as soon as possible.
- Go through the policy documents to find out what costs will be included or excluded in the claim.
- You should take photos of the damages sustained by your car, the accident scene, your injuries, and the other party’s injuries. This will assist you, your insurance company and also the police in clearing any confusions or queries in future. Take note of any observers, their names and contact details. Take a photo of the insurance policy of the other party involved in the accident. This can assist you to avail third-liability claims.
- Keep a record of expenditures that you incur in the period between the time of mishap and the day you get the final settlement.
- Do not run away from the scene of the accident even if you are at fault. Do not move your car or anyone from the scene. Check if medical help is required and arrange for it.
- Don’t admit fault as doing so can void your claim. It is best to state the sequence of events as you memorize them, without giving a judgment.
- Do not give any written agreement to the insurance policy provider and do not sign any documents provided by your policy provider before getting legal help.
Adhering to these dos and don’ts will help you while filling your car insurance claim. Go through the policy fine print at the time of claiming as this will simplify the claim process and will help you enjoy the benefits!
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.