OneInsure Blog
Post By abhishek
Things to Remember if Your Vehicle Is Involved in a Road Accident
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Car Insurance, 4-Wheeler Cover, Vehicle Insurance
There’s no escaping it! If you own a vehicle in a busy city like Mumbai, New Delhi or Bengaluru, chances are that you will be involved in a vehicular accident at some point.
While we won’t invest much space in this article to inform you about the benefits of a comprehensive car insurance policy, we will inform you that your chances of a favourable insurance settlement are much higher if you rely on your own insurance cover rather than relying on the other vehicle owner’s third-party damage car insurance.
Imagine you’re returning home from work in your car and have stopped at a signal. Suddenly, a vehicle rams into your car from the rear, causing major damage to your car. Your body is thrown forward but the seat-belt you’re wearing avoids major injury.
Being a mature car owner, you own a comprehensive car insurance policy. Let’s see what to do next.
Understanding what you need to do right then and there
- In case of an accident where there is no injury, police FIR is not required.
- Details like engine number, chassis number, and registration number should exactly match the details in the RC book of your vehicle, or else you will not get cashless service at a network garage. So, it is important to fill out information properly when buying/renewing a car insurance policy.
- In order to assess the damages sustained by your vehicle and decide the pay-out, the insurance company is required to appoint a Surveyor, who will visit the garage where you have kept your vehicle. Only after the survey will the repairs begin. If this appointment is delayed by the insurer, do not sit idle. Remember to always follow-up with the insurer. Optionally, you can call OneInsure (86559 86559) and we will follow up for you. Insurers sometimes delay the appointment of a Surveyor for days. This leads to insecurity (your vehicle is at the garage and you are at work), a wastage of money spent on cabs, and other inconveniences. So be proactive.
Car insurance claims can be paid from your comprehensive coverage or the third-party liability coverage of the vehicle that caused the accident. But before your claim can get settled, there’s a whole process you’ll need to go through.
Top 4 tips to ensure your claim-settlement process goes smoothly
- Let your insurer know right away – If your car is involved in an accident, it is advisable to report it to your motor insurer within 48 hours from the time of the accident.
- Analyse the offer – After submitting the claim, the motor insurer will present you with the first settlement. If you think what’s offered is not sufficient to cover your losses, you can always negotiate and ask for a reasonable figure.
- Legal advice – If the negotiation fails and your insurer refuses to provide the desired amount, you can appoint an insurance lawyer.
- Get written agreement – Once you and the insurance company have decided on the settlement amount, ask the insurance company to provide a written agreement. Also get a confirmation in writing about when (the actual date) the claim amount will be paid.
Before filing a car insurance claim, make sure to follow these simple steps so that you don’t face any hassles at the time of claim settlement. To find the most suitable car insurance policy, reach out to us at 86559-86559 or write to us at support@oneinsure.com.