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

Involved in a car accident? Here are the next steps

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.

  1. 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.

  2. 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.

  3. Filing an FIR

    File an FIR by contacting the local police. Also obtain a copy of the same for your reference.

  4. 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.

  5. 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.

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

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  • Oriental Insurance Car Insurance
    "Very nice zero dep plan"
    0.5 5.0/5 "Blown Away!"
    My car insurance premium is reasonable it has the coverage of two years, its has 100% of coverage called zero depreciation. Oriental Insurance agents are very polite in the service. I got best insured value based on my Mahindra Scorpio manufacture year.It has 24 hours service and also road side assistance.
    Was this review helpful? 0
    , jaipur
    Reviewed on Mar 26, 2019
  • National Insurance Car Insurance
    "Good"
    0.5 4.5/5 "Excellent!"
    I have chosen National Insurance for car insurance after comparing it online. They have provided higher insured declared value with lower premium and it includes zero dep. Once I will go for a claim then I can give better opinion. I have paid around 7,500 rupees for five years old vehicle. The policy period is one year.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Mar 26, 2019
  • ICICI Lombard Car Insurance
    "Better"
    0.5 3.0/5 "Satisfactory"
    I had a car insurance with ICICI Lombard and never used the service for claims. They never offered zero dep during the renewal. They are charging more premium for special features. I do get a notification regarding the renewal. Its a first party insurance.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Mar 26, 2019
  • review Car Insurance
    "Its Good"
    0.5 5.0/5 "Blown Away!"
    First time I took policy from Bharti axa for my hyundai eon, the insured value was good. They have comprehensive benefits front bumper to back bumper covered. Time of activation is good with their customer center. They have benefits 24 hours of road side assistance and other service.
    Was this review helpful? 0
    , kolkata
    Reviewed on Mar 25, 2019
  • HDFC Ergo Car Insurance
    "Good claim experience and prompt response"
    0.5 5.0/5 "Blown Away!"
    I do have HDFC Ergo four wheeler insurance for my Hyundai eon its around four years old. One claim happened I went for the cash less garages, my car front bumper to back bumper got damaged, they settled Rs.11,000. I got the car within four days.
    Was this review helpful? 0
    , kolkata
    Reviewed on Mar 25, 2019
  • New India Car Insurance
    "Affordable premium for my car"
    0.5 5.0/5 "Blown Away!"
    I have taken the zero dep plan with NCB in New India . New india has provided correct IDV value for my Maurtui Ertiga car . It is a third party covere and Co-passengers also covered in my insurance . Cash less garage is alos available in my location .
    Was this review helpful? 1
    , new delhi
    Reviewed on Mar 23, 2019
  • Oriental Insurance Car Insurance
    "Correct Insurance premium"
    0.5 4.0/5 "Great!"
    I insured my Tata Indica vista Car in Oriental Insurance with affordable premium . It is first a party cover but not zero depreciation . I got the better IDV value for my vehicle .Till now , I didn't gone for cliam, so I got 25 % No claim bonus for my vehicle .
    Was this review helpful? 0
    , mysore
    Reviewed on Mar 22, 2019
  • ICICI Lombard Car Insurance
    "Good"
    0.5 3.0/5 "Satisfactory"
    I have been with ICICI Lombard for almost 8 to 10 years because the premium is affordable for car insurance. I never contacted the customer service. I used to get a reminder msg through mail as well as mobile for the policy renewal. I have no claims. Its a first party insurance and includes bumper to bumper.
    Was this review helpful? 0
    , mumbai
    Reviewed on Mar 20, 2019
  • Reliance General Car Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have taken Reliance Car insurance .It is a one year policy .The name of the car is Volkswagon Polo .The Premium is yearly basis and i have paid Rs.14,000.I have got IDV value as well .ythe agent clearly explained the process of car insurance .Not yet faced any difficulties till now .
    Was this review helpful? 0
    , mirzapur
    Reviewed on Mar 19, 2019
  • HDFC Ergo Car Insurance
    "Excellent"
    0.5 5.0/5 "Blown Away!"
    My car was insured with HDFC ERGO and it was default insurance by the showroom and am renewing the policy with them every year. The service is also good and the response was immediate. The premium was around 8 to 9K for one year policy. Its a first party insurance. It has included zero dep and bumper to bumper.
    Was this review helpful? 0
    , mumbai
    Reviewed on Mar 19, 2019
  • New India Car Insurance
    "Better service"
    0.5 3.0/5 "Satisfactory"
    I have a car insurance with NEW INDIA ASSURANCE and my experience was very good. The premium was 15,000 rupees for seconded car insurance. The policy period is one year. I have not gone any claims. It covers bumper to bumper and road side assistance.
    Was this review helpful? 0
    , pune
    Reviewed on Mar 19, 2019
  • ICICI Lombard Car Insurance
    "NOT SATISFIED"
    0.5 1.0/5 "Really Bad"
    ICICI LOMBARD GENERAL INSURANCE is the insurance provider where i have taken the car insurance policy but i am not satisfied with this because I had a claim once but they have declined it. The premium was 13K and the policy coverage is for bumper to bumper.
    Was this review helpful? 1
    , mumbai
    Reviewed on Mar 18, 2019
  • Tata AIG Car Insurance
    "Smart Protection"
    0.5 5.0/5 "Blown Away!"
    I prefer Tata Aig car policy, because of the service and reputation, I am holding this car insurance for couple of years. They are providing no claim bonus depend upon the vehicle, the premium is very reasonable, last year I paid the premium around Rs. 10,000 for one year cover.
    Was this review helpful? 0
    , mumbai
    Reviewed on Mar 18, 2019
  • New India Car Insurance
    "Affordable premium for my car "
    0.5 5.0/5 "Blown Away!"
    For my Maruti Suzuki Swift Desire , I insured my Vehicle in New India . It is a third party cover . New India provided a correct IDV value and No claim bonus . It is Bumper to Bumper cover . I got a very good quotation with affordable premium in the market .
    Was this review helpful? 1
    , bangalore
    Reviewed on Mar 18, 2019
  • Tata AIG Car Insurance
    "Best insurance service "
    0.5 5.0/5 "Blown Away!"
    Recently I renewed the car policy with Tata Aig, its fine, the premium is good. The executive came to my place and collected the documents for the renewal, I availed the policy called bumper to bumper. I paid the premium around Rs. 14,000 for one month, IDV is good around Rs.5 lakhs.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Mar 16, 2019
  • SBI General Car Insurance
    "Excellent plan"
    0.5 5.0/5 "Blown Away!"
    I took my car insurance with SBI GENERAL, as a employee got benefits regarding the cashless garages, zero dep is provided. The premium was normal about 15K. It is a entire cover policy. I have been using this insurance since 3 years. The claim process was excellent.
    Was this review helpful? 0
    , mumbai
    Reviewed on Mar 15, 2019
  • New India Car Insurance
    "Good"
    0.5 5.0/5 "Blown Away!"
    I took my car insurance in New India Assurance from 2014. I like the service and am getting no claim bonus. The customer service is excellent. I have gone for cashless garages and its good. The policy period is one year. I have paid the premium through cash. Its a third party insurance.
    Was this review helpful? 0
    , new delhi
    Reviewed on Mar 12, 2019
  • ICICI Lombard Car Insurance
    "Excellent Policy"
    0.5 5.0/5 "Blown Away!"
    I had taken this insurance policy a long time back and the premium has been paying on an annual basis. I had done two claims last year and it was pretty much simple in the claim method. The policy covers bumper to bumper with zero debt and the premium amount has not been high.
    Was this review helpful? 0
    , chandigarh
    Reviewed on Mar 11, 2019
  • Bajaj Allianz Car Insurance
    "One of the best insurance provider with lot of options "
    0.5 4.5/5 "Excellent!"
    I insured my HONDA vehicle 2018 model in bajaj insurance .It is really having flexibility insurance .It is third party cover with a good IDV .Till now i had not gone for any claim . It is comprehensive plan with affordable premium .One of the best insurance provider with lot of options
    Was this review helpful? 1
    , bangalore
    Reviewed on Mar 09, 2019
  • Reliance General Car Insurance
    "Good Car insurance package"
    0.5 4.0/5 "Great!"
    I insured my Renault KWID in Reliance general insurance . They provided a affordable premium , correct IDV value , Bumper to bumper cover and third party cover . while processing my insurance with reliance i got good response . Till now i didnt gone for any claim .
    Was this review helpful? 0
    , gurgaon
    Reviewed on Mar 09, 2019
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