Insurance is like a spare tyre. You may not require it, but not having one is not an option.

Making A Car Insurance Claim

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Michael has always been a safe driver. Perhaps that is the reason he still could not get over the shock that he, of all people, got involved in a road mishap. And more than that, it was quite a vicious crash. Though he knows that he is not to blame, it is dreadful that there was no way he could have avoided it.

This sums up most car accident scenarios. Precariously unpredictable! But no matter whose fault it is, damage to the car and third part (if any) is sure to be followed by medical expenses, repair costs and legal hassles if you choose to sue or are sued. There is a reason why our law clearly states that it is mandatory to buy a third party cover when you buy your car insurance. Statistics of the accidents keep rising up alarmingly high, and accountability is something we all by instinct try to wash our hands off. Automobile insurance is something of an impervious business arena. We know premiums have to be disbursed monthly, sometimes somewhat unwillingly. It is at a time of an unforeseen accident like the one mentioned above that it will evolve as a true blessing.

Here are step by step instructions on what to do if you get involved in a car accident:

  1. How badly injured are you? First thing after making sure that you OK is to calm down. Presence of mind is going to be your best tool to get through this.
  2. It is strongly recommended that you record and jot down every detail that you can observe about the car, victims and the place where the incident occurred.
  3. Inform the police and your insurance company as soon as possible. Take care to give them the minutest of the details including that of the witnesses. Make note of the witnesses and get their contact details if they permit you.
  4. The most important thing about filing a claim is to keep within the agreed time frame of claiming. You need to notify them immediately and if you inform late, they can hold that against you to reject your claim.
  5. Have a detailed chat with your insurance agent about the claim procedure.
  6. Click pictures of the place of accident, the vehicles and victims from multiple angles. This will not only help you with the claim process, but also with the police case if required.
  7. If you can give ample proof that the accident happened due to negligent driving from the other side, well and good.
  8. Record your own injuries. Get a doctor’s opinion on the kind of injury and how soon you can recover. The insurer can later compare the hospital bills and your statement. If it becomes a police case, get an FIR copy or case number from them to submit it to the insurer.
  9. File away all your bills and keep track of every expense you sustained due to this incident.

GST Update: GST of 18% is applicable on car insurance effective from the 1st of July, 2017

Making A Car Insurance Claim Reviews

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  • Tata AIG Car Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    It has been a good insurance policy and the premium has been paying annually. The premium amount has been nominal and the payment method has been easy. I had not yet made any claims so far and there has been cashless garages available as well....
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 14, 2018
  • Universal Sompo Car Insurance
    " Good protection for four wheeler"
    0.5 4.0/5 "Great!"
    All policies with Unviersal sompo, whenever I call they respond well on the toll free helpline. The policy covers fully my car compared to other insurer, the beginning it was zero depreciation plan, they gave me the insured declared value.
    Was this review helpful? 1
    , bangalore
    Reviewed on Dec 14, 2018
  • L and T Car Insurance
    "Its Good"
    0.5 4.0/5 "Great!"
    The dealer gave me L & T general insurance policy for my car the premium amount is nominal for the tenure of one year, I have old Tokyo Innova, hence I took comprehensive and third party cover, they do have road side assistance and 24 hours services on time.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 14, 2018
  • ICICI Lombard Car Insurance
    "Good protection for four wheeler"
    0.5 5.0/5 "Blown Away!"
    From ICICI lombard I have taken car insurance for Hyundai I20, first time when I paid the around Rs. 25,000 when it was new car, now recently I paid is around Rs. 17,000 now its been 2.5 years old. The plan is called zero depreciation, with road side assistance, 24 hours services.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 14, 2018
  • Bajaj Allianz Car Insurance
    "Low premium with better benefits"
    0.5 5.0/5 "Blown Away!"
    One more policy taken for my another car its Maruthi dezire I paid the premium around Rs. 4000 its a old car, around 6 to 7 years, I have comprehensive plan its not zero depreciation plan. The customer service is good the premium is low and the max cover is nice.
    Was this review helpful? 1
    , new delhi
    Reviewed on Dec 13, 2018
  • Bajaj Allianz Car Insurance
    "Low premium with better benefits"
    0.5 5.0/5 "Blown Away!"
    My both the polices are insured with Bajaj Allianz, I have taken one policy for my Maruthi Ciaz car, I paid the premium was around Rs. 8000, I have taken the comprehensive it covers for the loss, damage, other natural disaster, hence I am fine with them.
    Was this review helpful? 0
    , new delhi
    Reviewed on Dec 13, 2018
  • Tata AIG Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I hold a car insurance with TATA AIG general insurance from last 10 months, a premium of Rs 16000 has to be paid for this insurance policy. There was no claim experience so far with this insurance and this policy has full coverage with 0% depreciation.
    Was this review helpful? 1
    , bangalore
    Reviewed on Dec 11, 2018
  • Tata AIG Car Insurance
    "Complete protection with Tata Aig"
    0.5 5.0/5 "Blown Away!"
    I approached Tata Aig through their agent, he have taken initiative to generate the policy on time, I have received the policy document on time, the premium amt around Rs. 11k for one year, I have road side assistance with engine protection, tier cover with best insured value.
    Was this review helpful? 0
    , keonjhar
    Reviewed on Dec 10, 2018
  • Royal Sundaram Car Insurance
    "Good Product"
    0.5 4.0/5 "Great!"
    For my Maruthi car I took Royal sundaram general insurance through dealer I have approached the premium is reasonable, I don't think its a comprehensive plan. Once I had claim I met with the accident, there was a car damage, they gave 70% of claim, remaining I paid from my end.
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 07, 2018
  • Reliance General Car Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    RELIANCE GENERAL INSURANCE is the insurer where i have taken my car insurance and the premium i paid which is nominal added on that the IDV value is also sufficient with this policy. The policy coverage is for bumper to bumper for this policy.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 07, 2018
  • SBI General Car Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    I had a claim of 44k with the SBI GENERAL INSURANCE where i have taken the card insurance and the claim is of reimbursement and i got within the one day. The premium is nominal and the IDV is nominal. The coverage is for bumper to bumper. The process is good with this policy.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Dec 07, 2018
  • ICICI Lombard Car Insurance
    "Good Protection for four wheeler"
    0.5 4.0/5 "Great!"
    The car policy with ICICI lombard is good and they are economical on the cost wise, I took policy for one year I took 100% its zero depreciation. They gave me best insured value based on the age of vehicle, they have ncb features and they many service centers too.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Dec 05, 2018
  • Bajaj Allianz Car Insurance
    "Good claim process with fast service"
    0.5 4.0/5 "Great!"
    The premium amt is good in Bajaj Allianz and economical too, I paid Rs. 25k for one year. I have Hyundai I ton card its 3 years old, they gave me best insured declared amount, I got the papers on time, my claim exp is good, car got damaged and replaced and gave it on time, even they have lined with many service centers.
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 05, 2018
  • ICICI Lombard Car Insurance
    "Quick policy"
    0.5 5.0/5 "Blown Away!"
    I have been renewing the policy for 4 years with ICICI Lombard. The policy was given by dealer when i purchase the policy and i'm continuing the policy without any reason. The claim experience was fine. I have got the coverage amount of Rs. 9 lakhs and i have got the claim amount of RS. 40000. This policy covered with bumper to bumper facility. I have got the claim within 5 days.
    Was this review helpful? 0
    , chennai
    Reviewed on Dec 05, 2018
  • Universal Sompo Car Insurance
    "Good Car Insurance policy"
    0.5 5.0/5 "Blown Away!"
    My car insurance policy was taken 2 years ago with Universal Sompo. I have been renewing the policy with the same company. I have paid the premium amount of Rs. 4000. This policy has been covered for 100%. They have given me a car value of Rs. 1.90 lakhs.They have offered me a facilities of road side assistance and bumper to bumper. I have no claim experience so far.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Dec 03, 2018
  • Bajaj Allianz Car Insurance
    "Its Good"
    0.5 4.0/5 "Great!"
    Cost of the car policy is good in Bajaj Allianz. I have Maruthi card they best insured value based on the age. I don't have any claim experience. The insurance company gave me Rs. 2.5 lakhs for one year, third party cover and personal accidental cover is good.
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 03, 2018
  • New India Car Insurance
    "Good Experience"
    0.5 5.0/5 "Blown Away!"
    In 10 years of experience I didn't face any claim. I have wagon R, the premium cost was economical, I paid around Rs. 5000 for one year, they gave me the comprehensive 100% protection plan, they got tie up with the dealer and they do have ncb features.
    Was this review helpful? 2
    , mumbai
    Reviewed on Dec 03, 2018
  • United India Car Insurance
    "Good car insurance policy"
    0.5 5.0/5 "Blown Away!"
    Since its a new car, they have given me a a zero depreciation policy. The dealer has recommended me about this car insurance policy when i purchase my car. I have paid the premium amount of Rs. 28000. They have not given me a road side assistance facility but bumper to bumper facility is available. More garages are available in my location.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 03, 2018
  • ICICI Lombard Car Insurance
    "Better"
    0.5 4.5/5 "Excellent!"
    My car insurance was taken with ICICI Lombard and it was offered by the showroom. They are giving zero depreciation and don't know about the other offers. The premium is included in the car price. The customer service is good. They have sent the insurance papers on time.
    Was this review helpful? 0
    , new delhi
    Reviewed on Dec 02, 2018
  • review Car Insurance
    "Value of money"
    0.5 4.0/5 "Great!"
    4 years back, i have bought my car insurance policy with Bharti Axa. Somebody suggested me about this car insurance policy. The premium amount is less comparatively less when i compared with other companies. I'm happy about the coverage value they have provided to me. I have not claimed anything in this policy.
    Was this review helpful? 0
    , new delhi
    Reviewed on Dec 02, 2018
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