Do’s and Don'ts While Filing a Car Insurance Claim

Road accidents happen frequently, especially in India, which has the highest number of road traffic accidents worldwide. Over 1,30,000 people die in these accidents every year. Because of this, having car insurance and knowing how to file a claim are very important. Although filing a claim can seem overwhelming, it becomes much easier with the right information. Here, we will review the important things to do and avoid when filing a car insurance claim to ensure the process goes smoothly. Now that you know the steps involved in the car insurance claim process, let’s look at some do’s and don'ts to keep in mind:

Do’s of Filing a Car Insurance Claim

Stay Calm

After an accident, try to stay calm and assess the situation. Check for injuries and seek medical help if necessary.

Collect Evidence

Gather as much evidence as possible, including photos and witness statements.

Inform Your Insurer Immediately

Report the accident to your insurance company immediately.

File an FIR

An FIR is crucial for the claim process, so file one at the nearest police station.

Review Your Policy

Understand your policy details, including coverage, excess, and the claim process.

Don'ts of Filing a Car Insurance Claim

Don’t Flee the Scene

Leaving the accident scene can result in more damage and may complicate the claim process.

Don’t Hide Facts

Always be truthful about the accident. Hiding facts or exaggerating details can lead to your claim being rejected.

Don’t Settle Privately

Avoid settling the matter privately with the other party. Always inform your insurer.

Don’t Sign Hastily

Do not sign any documents from the insurance company before thoroughly reviewing them or seeking legal advice.

Should You File a Claim for Minor Damages?

Before filing a claim, consider its impact on your future premiums. Minor damages, like a small scratch or a fender bender, might be better paid out of pocket. Filing for minor claims can increase your premiums and affect your No Claims Bonus (NCB). Save your insurance claims for major damages that would be costly to repair out of pocket.

When is The Right Time To Report a Claim?

When you report a claim, do it as soon as possible. Contact your insurance company within the time frame specified in your policy. Gather as many details as possible, such as:

1. Photos of the damage to your vehicle
2. Contact details of other drivers involved
3. Names and contact details of passengers and witnesses
4. Insurance details of the other drivers
5. License plate numbers and damages of the other vehicles involved
6. Fill out the claim form accurately and provide all necessary information, including the probable claim amount.

How to Apply For a Car Insurance Claim After an Accident?

If you've damaged your car, don't worry – we're here to help! Filing a car insurance claim is easy with Bajaj Allianz General Insurance Company. You can file online or call our Toll-Free Number at 1800-209-5858 any time. Here's what you need to provide:

1. Contact number
2. Engine and chassis number
3. Date and time of the accident
4. Description and location of the accident
5. Vehicle inspection address
6. Kilometre reading

After registering your claim, you'll get a Claim Reference Number. You can use this number to receive updates via SMS or call us for the status. We also offer 24/7 roadside assistance at 1800-103-5858.

Sending Your Vehicle for Repair 

Move your vehicle to a garage or tow it from the accident site to avoid further damage. If your car is stolen, file a police report and inform us. If the car isn't found within 90 days, obtain a Non-Traceable Report from the police and give it to us.

Survey and Claim Settlement

Submit document copies to your garage/dealer and have them checked against the originals for claim settlement. For minor damages, use our Motor OTS (On-The-Spot) service. We’ll handle repairs at your preferred network garage, deliver the car to your doorstep, and pay the garage directly. You’ll only need to pay the voluntary excess and depreciation value. To get this done, you must fill out a claim form, such as a motor claim form or a Mandate form Direct Loss Payment. With Bajaj Allianz Motor Insurance, you can secure your vehicle and enjoy add-ons like Roadside Assistance, Engine Protector, and Key and Lock Replacement.

Utilise Technology For Instant Results

Bajaj Allianz General Insurance Company offers customers the ability to claim insurance anywhere and everywhere. Their Insurance Wallet Mobile App lets you purchase, renew, and manage your insurance policies hassle-free. It also allows you to upload photos, track the claim status, and handle payment details. Using such apps can speed up the process and reduce paperwork.

Conclusion

Filing a car insurance claim can be simple if you follow the correct procedure and follow these dos and don'ts. Always be prepared, stay calm, and ensure you provide accurate information to your insurer. Understanding the insurance claim process, knowing the details of your policy, and leveraging technology can make the claim settlement process smooth and hassle-free. Stay safe on the road and choose a reliable insurance provider like Bajaj Allianz to ensure comprehensive coverage and efficient claim handling. *Standard T&C Apply Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale. *Claims are subject to terms and conditions set forth under the motor insurance policy. Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making any related decisions.