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Terms And Conditions You Should Know When You Raise A Claim Against Damaged Car

Written by Amit Jain
Updated On Oct 18, 20232 min read

Terms And Conditions You Should Know When You Raise A Claim Against Damaged Car

Having auto insurance is necessary to safeguard your finances in the event that your vehicle is damaged in an accident or even stolen. At this point, you'll probably be considering filing a vehicle insurance claim. However, filing a vehicle insurance claim might not always be the wisest course of action. Knowing whether or not to file a claim on your car insurance is crucial since in some circumstances (such as filing several claims), doing so might increase your insurance price.

Since there are no strict guidelines for submitting a claim, you need to be aware of certain fundamental information to assist you determine whether to file a vehicle insurance claim or not. To find out about claiming car insurance against damages, read on.

 Terms And Conditions You Should Know When You Raise A Claim Against Damaged Car

When Should A Person Raise A Claim For Car Insurance?

Following are the circumstances under which a person should claim for car insurance -

  1. You should register a claim if the damage to your automobile necessitates significant repair costs or the replacement of several parts, for instance. You will probably need every financial assistance you can obtain in these situations because the claim amount seems likely to be substantial.
  2. Even though the damage to your automobile doesn't appear to be significant, in some circumstances, the repair costs may wind up being quite expensive. But keep in mind that the reimbursement you receive depends on the IDV of your vehicle when you file a claim. In such instances, it is crucial to choose the appropriate IDV to make sure that the claim amount is sufficient to pay for all of your car's repairs. The IDV is the highest amount the insurance company would pay as a claim.
  3. If the worst happens and your automobile is stolen or suffers severe burn damage, you should file a claim to get your money back. In such circumstances, making a car insurance claim will not just assist in recovering the vehicle's financial expenditures, since the vehicle may not be retrieved, but you will also be able to collect the complete IDV of your car for your claim. But keep in mind that in order to take advantage of all this, you must purchase comprehensive coverage that covers incidents of theft and your own vehicle's damages.
  4. Someone else may want to make an insurance claim against your coverage if you are at fault in an accident and your car causes property damage or personal injury to them. In order for them to submit a claim, you will need to provide a copy of your auto insurance policy. The insurer will then handle payment of the necessary damages on your behalf. You might also need to submit an insurance claim in such circumstances if your automobile has been damaged in any way.

When Should A Person Not Raise Claims For Car Insurance?

Following are the circumstances under which a person should raise not unnecessary claim for car insurance -

  1. The cost of repairs may not be excessive if your automobile just has minor damage, such as little dents, scratches, or broken mirrors. Therefore, it can be more economical to pay for the repairs yourself, keeping in mind that filing a claim could result in higher premiums or the loss of your NCB.
  2. If you just have third-party auto insurance and not comprehensive or own damage coverage, you are only protected in cases of physical injury or property damage to other people. This implies that any damage to your own vehicle caused by an accident or a natural disaster like an earthquake or flood will not be covered. As a result, you cannot submit a claim if your automobile has been damaged since it would be denied. It is preferable to get a comprehensive auto insurance policy for more extensive coverage.


Therefore, keep these considerations in mind while filing a claim with your auto insurance coverage and decide if you should choose it or not.

Also read: Easy Steps For Claiming Car Insurance In Case Your Car Is Lost

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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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Written by Amit Jain
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 Amit is an upcoming name in the motor industry be it new cars/ bikes or used ones. Amit in his last stint worked as a consultant for major Fortune 500 companies across the globe. In his free time, Amit likes to play cricket.

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