How to File Car Insurance Claim
While for an own-damage claim, the process is simple and straightforward, for third-party liability claims, it is slightly complicated. If the accident was your fault, the other vehicle owner can claim from your insurance company.
Here is the process for third-party liability claims:
- The other car owner has to file an FIR at the police station where the accident took place.
- Share your car insurance details with the other vehicle owner so that they can file a claim with your insurance provider.
- The other car driver will have to file a case with the Motor Accident Claims Tribunal. In India, the claims by the third parties are settled at this tribunal.
Even if you make an effort to keep your car safe, there can be an instance when it gets stolen. Should this happen, here are the steps that you need to follow to claim for a stolen car:
- File an FIR with the local police station without delay.
- Get in touch with IFFCO-Tokio and let the representative know about the theft. Make sure you submit the following documents:
- Copy of the car’s registration certificate.
- Copy of the driver’s license.
- Copy of the FIR.
- Copy of the first two pages of your car insurance policy.
- Letter address to the RTO.
Once you file an FIR, the police will try to locate and recover your vehicle. If after six months your car is not found, the police will issue a Non-Traceable Report and thereafter hand over the registration certificate of the stolen car to IFFCO-Tokio. In addition, a letter of subrogation will be submitted to the company. After IFFCO-Tokio receives the necessary documents from the police, it will settle the claim against your online car insurance policy for the stolen car.
Here is a quick guide to applying for a car insurance claim that will help you immensely when you file a claim with IFFCO-Tokio:
If you have had the unfortunate experience of meeting with a car accident, you need to begin the motor insurance claim process immediately after the accident. Whether the accident involves a collision with another vehicle, property damage, knocking over a pedestrian or even death, it can be extremely stressful and traumatic. However, you need to keep your emotions in check and begin the claim filing process so that at least part of your woes can be addressed.
Any advice about car insurance claim will tell you to take the following measures if you want to file a claim against your motor insurance policy:
Takedown notes of all the relevant information that you see at the accident site. Even if you observe something minor, don’t neglect it. Jot it down. Click photographs with the mobile phone in your car and the other vehicle. Also, click photographs of the accident site. Remember, it is important to record, and note minute details as they can make a huge difference to your claim application being approved or denied.
Ask eyewitnesses for their respective phone numbers and addresses. These witnesses will corroborate your story if it was not your fault. Basically, the insurance company will get in touch with them if they want to find out the actual cause of the accident.
The police were called to the accident site and they register a case, get the case number and a copy of the FIR from the police. This is important so don’t forget about it.
If you have had a collision, get the insurance details of the other vehicle owner. This will allow your insurance provider to get in touch with the other person’s car insurance provider to amicably sort out the problem.
Remember, it is important to stay calm after an accident. Otherwise, you will forget to note down important details. Once you have the information listed above, get in touch with your insurance provider and let them know about the accident. Follow the claim’s procedure of your motor insurance policy to the tee, to ensure the chances of denial are minimal.