How do I claim insurance on my damaged car in India?

Infants

How do I claim car insurance after damage?

Call your insurance company immediately after the accident and inform about the damage. Intimate the police about the incident and obtain an FIR. Record the details of the car, the driver, and the witnesses in the FIR. File a claim with your insurance company and ask them to assign a surveyor to evaluate the loss.

Can I claim insurance if I damage my own car?

So even if there is damage caused by natural calamities like floods etc. or even accidents to your own vehicle, you cannot claim compensation under your liability insurance. This is where the importance of own damage car insurance is realised.

Can we claim insurance for car dents India?

In a nutshell, small dents/scratches on your car’s surface does not require a car insurance claim. In fact, it is best to refrain from raising a claim in such a scenario, as you may otherwise lose a lot of money.

Can I claim car insurance without police report?

Without an FIR, no insurance company will entertain your claim and without informing a cop, no FIR will be issued. Therefore, you must obtain your FIR copy at the earliest. Absence of vital information Usually after an accident, most people are busy getting the details such as driver’s name, his license, etc.

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How many days after accident can you claim?

Most policies do not provide a strict deadline or window of time (30 days, 60 days, etc.). Instead, you are usually required to make your claim “promptly” or “within a reasonable time.” Some states (especially those that follow a no-fault car insurance system) have passed laws that specifically address this issue.

What is period of own damage cover?

With effect from September 1, 2018, those buying new vehicles had the option of buying a bundled cover for three years for the third-party cover and a 1-year term for the own damage cover for cars.

Is FIR necessary for insurance claim?

You must file an FIR in case of a road accident that leads to bodily injury of the third party or death. Also, an FIR is a mandatory requirement if your car gets stolen. You must submit one copy to the insurance company and keep one copy for yourself while filing a claim.

What is covered under own damage?

The own damage car insurance covers the total loss of your car and you will be compensated for this type of damage. Fire, Explosions, Implosions, Lightning, and self-ignition: Fires resulting from an accident or an explosion that leads to damaging your car are covered under an own damage insurance policy.

Can you go to jail for scratching a car?

It is unlikely that you would go to jail. However, keep in mind that cameras are everywhere and although you are not sure, the eye in the sky is always watching. Don’t be surprised if you receive a notice saying that were seen and that you need to pay for the damages. If that happens, call your insurance company.

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How many times insurance can be claimed?

Generally, there are no restrictions on the number of claims you can make under the car insurance policy in a year. However, one should remember that the car insurance claim affects the NCB (No Claim Bonus). Repeated claims in a year may also increase the premium when you renew the policy.

What happens if someone scratches your car?

Someone who accidentally scratched your car is clumsy, but not necessarily a bad person. If they don’t offer to pay you could always file a police report. … You can always file a claim on your car, but you’ll need an assessment by a claims adjuster to attribute the cause of the damage.