If you have ever been involved in an accident, you would know that it is a time when emotions run high. However, there are certain things you can do to gather your thoughts and make the right decisions. Protecting yourself and your interests should be your priority during this crucial time.
Here we have listed the steps that you need to take right after an accident.
- Look out for injuries
The first thing that you need to do is confirm if anyone is seriously injured in the accident. This is a point where you should look out for others as much as yourself. In case someone is injured, you need to call emergency assistance by dialing 100.
- Collect information
In case you were the cause of the accident, you need to share your contact details and insurance information with the third party that was affected. If the accident was caused by another vehicle, you should note down the car’s registration details, the driver’s license number and information on the vehicle’s insurance.
- Filing an FIR
File an FIR by contacting the local police. Also obtain a copy of the same for your reference.
- Take photos
Collect evidence by clicking pictures of the accident scene. You should also focus on capturing the damage caused and injuries sustained, from different angles.
- Contact your insurance provider
You should contact your insurer at the earliest and inform him about the damages. You will be provided a Claim Intimation Number that you should store for future reference.
Getting Your Vehicle Repaired
- You should never drive a car that has been involved in a collision. In case you do so, the motion may result in aggravating the damages. Such damages are usually not honoured by insurance providers; so it is important to take the assistance of a professional towing service to move your vehicle to the nearest garage for repairs. If your vehicle is protected by Roadside Assistance cover, this is the perfect time to make use of it.
- The next step is to contact your insurance provider and schedule an inspection. The official who performs the inspection will observe the available information, i.e., the damage to the car, the police report and statements by witnesses, and provide an estimate for the costs. This assessment finally decides your claim payout.
- Most insurance companies and neutral third-party financial websites offer online updates for the status of your claims. They also provide end-to-end assistance for an efficient and hassle-free claim settlement process.
- Once the insurer identifies the coverage details for your claim, repairs on your car will be initiated at the garage. If you are not protected by the Zero Depreciation cover, you will need to pay the cost of deductibles at the body shop where the repairs were done. After this, the insurer pays the final amount to the garage.
Accidents on Indian Roads
The daily death toll in India from road accidents is estimated to be four times more than the yearly death toll from terrorist activities. The disappointing fact is that most of those who are involved in such accidents face this situation due to negligence while driving. Speeding, driving under the influence of alcohol, overloaded trucks, reluctance to wear helmets while riding two-wheelers, etc. are some of the factors that contribute to deaths on our roads. A large number of deaths have also been noted among pedestrians and cyclists, indicating that Indian roads are some of the most fatal ones in the world.
In 2015, the number of deaths rose by 5% to reach 1.46 lakh. This effectively means that around 400 deaths occur on the roads in a day. The Government is taking several measures to improve road safety by curbing crashes and subsequent fatalities. Stringent implementation of traffic rules and transportation norms can assist in bringing down these numbers to a certain extent.
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