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

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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

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? 0
    , 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? 0
    , 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? 0
    , 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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