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Car insurance is mandatory in India as per the Motor Vehicles Act. As per the rule, every car plying on the roads need to be insured with at least a third-party liability cover. Having a car insurance covers the liabilities one incurs at the time of an unfortunate mishap involving the insured vehicle.
It is vital that you keep your cool and stay calm so that you are able to think straight and sort everything out. Following are few of the things that you have to do immediately after the accident:
There are certain things that you shouldn’t do at any cost after an accident such as:
You have to raise your insurance claim request within the stipulated time period as mentioned in your insurance policy document. There are two kinds of claim you can raise:
You can raise a third-party claim when a third party has been injured or a third-party property has been damages as a consequence of the accident which was your fault.
You can raise an own damage claim if you have been injured or your vehicle has undergone damages as a result of the accident
You can choose for a reimbursement claim settlement or cashless claim settlement depending on your convenience and what claim facility you have availed at the time of policy purchase or renewal. There are a number of documents you have to submit in order for the insurer to process your claim settlement, following are the list of documents you have to submit when making a claim:
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