🚗 Car Accident Insurance Claim – Step-by-Step Process
✅ Step 1: Ensure Safety First
- Check for injuries.
- Move to a safe place if possible.
- Call emergency services or police (mandatory for major accidents or injuries).
✅ Step 2: Inform Your Insurance Company Immediately
- Use the insurer’s helpline number or mobile app.
- Timeframe: Usually within 24–48 hours of the accident.
અમદાવાદ: કારે આધેડ મહિલાને અડફેટે લેતા મોત, રોષે ભરાયેલ લોકોના ધારણા
ગુજરાતી માં ન્યૂઝ વાંચો
✅ Step 3: Document the Accident
- Take photos/videos of:
- Damage to vehicles
- Surrounding area and road signs
- Injuries (if any)
- Collect details of:
- Other driver(s): Name, phone, insurance info
- Witnesses (if available)
✅ Step 4: File an FIR (if required)
- Mandatory in India for:
- Major injuries/death
- Theft
- Third-party damages
- In the USA, police reports are required if:
- Property damage exceeds state limits
- There are injuries/fatalities
✅ Step 5: Submit the Insurance Claim
Provide these documents to your insurer:
- Insurance policy copy
- Vehicle Registration Certificate (RC)
- Driving license
- FIR copy (if applicable)
- Photos/videos
- Claim form (online or offline)
✅ Step 6: Vehicle Inspection & Repair
- Insurer arranges for a surveyor/inspector to assess damages.
- Choose:
- Cashless garage (insurer pays directly)
- Reimbursement (you pay, then get repaid)
📄 Types of Claims
| Type | Description |
|---|---|
| Own Damage Claim | Covers damage to your vehicle |
| Third-Party Claim | If your vehicle causes damage to others |
| Personal Accident Claim | For injuries or death of the driver |
| Comprehensive Claim | Covers both own and third-party damage |
⏱️ How Long Does It Take?
- Cashless claim: 7–15 days (quicker)
- Reimbursement: 15–30 days (depends on documentation)
📝 Tips to Maximize Claim Success
- Never delay reporting the accident.
- Don’t make repairs before the survey.
- Keep all bills and receipts.
- Cooperate with the surveyor.