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Tips To Claim Car Insurance Damage Beyond Repair


Written by Udit Varshney

Updated Jul 26, 2021

This article will provide you with tips on how you can claim your car insurance when it has had major damages that are beyond repair.

Accidents are nothing unusual on Indian roads. Major accidents happen every hour on a daily basis in the country. Having a car insurance policy to keep your car financially protected from these unpredictable misfortunes is very important. In cases where the damage is so extensive that the cost of repairs would be equal to the cost of the car, it usually surpasses the insurance limit and is common in a head-on collision accident. Such a scenario would require huge monetary funding.

Tips To Claim Car Insurance Damage Beyond Repair

Tips To Claim Insurance For Extensive Damage

Claiming car insurance for extensive damage involves a similar procedure to claiming insurance for a minor accident. But, the policyholders must ensure that they have all the documents handy to be produced at the time of the survey. Make sure you adhere to the car insurance claiming process as listed in the terms and conditions of your policy. The following are a few tips that you can consider while claiming car insurance for damage beyond repair-

Reporting To The Police

Make sure you call the police authorities in case of an accident that has resulted in bodily harm or extensive damage to your car. After filing an FIR, make sure to get a copy of the same. Reporting to the police will help you to settle the matter legally and save you from unwanted hassle while claiming your insurance.

Collect Evidence

Producing the facts of the incident to the insurer is very important to give weightage to your car insurance claim. Take pictures and videos of the vehicles immediately after the collision. Collect the name, contact number, and vehicle registration number of the third-party. Producing this information during the survey will make the surveying process easier for the loss assessor to authenticate and approve the insurance claim.  

Informing Your Insurer

Informing your insurance provider immediately after the accident is very crucial. Your insurer must be made aware of the event for them to help you with the financial assistance you need.

Fill The Claim Form

In order to claim the car insurance for your extensively damaged car, you must carefully fill the insurance form and clearly narrate the event with clear facts and details. Contact the insurance help desk or the survey team for any assistance if required. Never trust any agent or third party to file the claim on your behalf. 

Parking Charges

Car workshops usually charge a parking fee ranging from Rs. 400 to Rs. 2,000 per day for a vehicle. In this case, where the car has been extensively damaged, the final estimate is calculated and taken into consent by the insurer. The policyholder can then move the vehicle to a convenient place to avoid heavy parking charges after informing the company. 

Be Honest About The Incident

Insurance companies function on the principle of utmost good faith. It is important for you to be honest about the entire accident. Make sure you do not hide or skip any important detail and avoid interrupting the survey team in the middle of the investigation as this may create an air of suspicion.

Follow Up With The Insurance Provider

Make sure you keep yourself updated on the progress of your car insurance claim. Follow up with your insurance provider and the survey team on the status of the claim.

Take Away

Accidents are never predictable. Make sure you have a car insurance policy that offers maximum coverage. Following the laws and adhering to the terms and conditions listed in your policy is the gateway to successfully claiming your car insurance for extensive damage. Happy driving!

Also Read 

Things Covered In An Own-Damage Car Insurance Policy

Benefits of Buying Standalone Own-Damage Car Insurance

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.


Written by Udit Varshney

Udit has built B2C segments across various industries and has had significant contributions to the insurance sector. Read More

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