In India, there is a rise in traffic every year due to more number of people opting to use their personal transport rather than the public transport. With the rise in traffic, the number of people driving rashly and breaking traffic laws to reach their destination on time has increased. Hence, having a car insurance is a boon for car owners in India as it protects them from unforeseen liabilities that they may incur from an unfortunate mishap. There are two kinds of car insurance plans available in India, comprehensive car insurance policy that covers both own damage liabilities and third-party liabilities and third-party liability insurance policy that covers third-party liabilities alone.
If you have a comprehensive insurance plan, you will get an extensive coverage that includes other than collision cover too which covers damages/loss due to natural calamities such as storm, earthquake, flood, etc. In case you stay at a place that is prone to natural disasters, availing a comprehensive car insurance will be a good idea.
After you have informed the insurer about the mishap, take detailed pictures of your damaged vehicle including the interiors and the engine. Keep all the vital papers ready as requested by the insurer. Do not get your car fixed without the approval of the insurer. It is always better to wait for the insurer to see the damages on the vehicle first-hand, this would help your insurance claim process faster.
After your documentation has been completed, file your motor insurance claim with the insurer.