Is It Mandatory To File An Fir Before Claiming For Insurance

After an accident, the procedure for filing an insurance claim has changed over time. The mistakes made by the vehicle insurance policy holder are typically what make the claim settlement process so challenging. They harm the policyholder greatly despite not being done on purpose. Someone who has never filed a claim before might think it's simple to submit an insurance claim. However, without all the necessary paperwork, the claim settlement is just impossible.

How to Make a Car Insurance Claim After an Accident?

After an accident, filing a claim with your auto insurance provider requires a thorough understanding of the process. The steps for filing an insurance claim for a car accident are listed below:

• Let Your Insurance Provider Know

Call your insurance provider to let them know about the collision and provide specific details about the vehicle's damages. Make sure you don't withhold any information from your insurer because doing so could make it more difficult to resolve disputes.

• File an FIR with the Police

Immediately notify the police about the accident and, if necessary, file an FIR. In the event of theft, auto accidents, or fire, an FIR is necessary. If there are only minor dings and scrapes, you might not need to file an FIR. And if a third party is involved in the accident, you will need it.

If there is a legal concern, the first thing you need to do after an automobile accident, no matter how little or severe, is to call the police and prepare a first information report. In the event of a settlement, this report aids you in obtaining the claim. No insurance company will consider your claim without an FIR, and no FIR will be generated without reporting the incident to the police. Therefore, you must get a copy of your FIR as soon as possible. lack of essential information 

• Take Pictures 

Be careful to get enough shots of the accident site and the damage. To enable the insurance provider to assess the level of physical damages and appropriately settle the claim, make sure the images are clear and the damages are discernible.

• Provide the Insurer Wit Necessary Documents 

In order to process your claim, the insurance provider will need certain paperwork, like a copy of your insurance policy, your FIR, your driver's licence, a copy of your car's registration certificate, etc. For a hassle-free experience, make sure you submit these documents and cooperate with your insurer.

• Have Your Car Fixed

You can take your vehicle to a shop to get it fixed. Or, you could request that your insurance provider pay to fix the vehicle. If your claim is accepted by the insurer, you will either be paid back or made whole for your loss.

What to do in the Event of Theft of Your Card?

If your vehicle is stolen, proceed with notifying your insurance provider and filing an FIR at the nearby police station. Send the insurance company the RC, your DL, your FIR, and other relevant documents. The police will issue a non-traceable certificate if they are unable to locate the vehicle within a reasonable amount of time. The insurance provider will then resolve the claim and pay for your car's current market value.

Conclusion

These specifics are required when a person goes to obtain the claim. Before contacting your insurance provider to submit a claim, make sure you have all the necessary information ready. There is no ideal time to get in touch with your insurance provider. Most of us are more concerned with getting an estimate for our car's repairs after an accident. The most crucial step, however, is to notify your insurance provider as soon as possible to begin the claim process.

Also, Read: 

What Is Key Protection Add-On In Car Insurance?

Do All Car Insurers Provide A Replacement for Damaged Or Stolen Car?