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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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Claim Reviews

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  • Chola Ms Car Insurance
    "Extremely bad."
    0.5 0.5/5 "Unacceptable"
    Extremely bad. Pathetic is the word. They will take you hard earned money in the name of insurance and when you go to claim for it first they will give you the lure of no claim bonus if you dare to claim and even if you insist for claim, Broad day light robbery is the only word to describe this insurance company.
    Was this review helpful? 0
    , ahmedabad
    Reviewed on Dec 05, 2019
  • ICICI Lombard
    ICICI Lombard Car Insurance
    "User friendly"
    0.5 5.0/5 "Blown Away!"
    They are very fast claim experience. I have not personally chosen the policy from ICICI Lombard. From the merchant side by default they have provided me a policy from this company. Recently I had applied the claim and I got up to 83%. Earlier it was a bumper to bumper covered policy now my car is more than 5 years old, so its not covered 100% now.
    Was this review helpful? 3
    , bangalore
    Reviewed on Nov 26, 2019
  • review Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    When i done my claim, Kotak mahindra bank Car insurance, they have given me a claim immediately. To reach their customer care, its quite difficult. They do not have any Tamil assistance. Once i given the documents, they have given me a claim through RTGS transaction. When i search in online, kotak mahindra has a less amount of premium. My total car damage amount was Rs. 24000 in that they have given Rs. 16800 which covers upto 70%.
    Was this review helpful? 1
    , tirupur
    Reviewed on Nov 26, 2019
  • New India Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    New India Assurance company is very helpful for customer. Once the agent came to my place and guided me with a full support and he used to contact me whenever the policy gets expired. They used to remind me before on 10 days, then they will come to my place to collect the cheque. I pay the premium amount of Rs. 19,000 by last year and they gave me a no claim bonus as well.
    Was this review helpful? 1
    , tiruchirapalli
    Reviewed on Nov 25, 2019
  • Chola Ms Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I'm having a car insurance from Cholamandalam but the benefits are good but still i haven't claimed anything once i had experience the claim, I will come to know about their real face. The customer care executive has clearly explained me about the policy details.
    Was this review helpful? 0
    , navi mumbai
    Reviewed on Nov 25, 2019
  • review Car Insurance
    "Car insuarnce"
    0.5 0.5/5 "Unacceptable"
    Such a money making company , third class service , i gave my car to insurance get it claimed but i am waiting from past 1 month , i didn't get the approval . I have never came across such a bad vompany and bad customer service and still i am struggling with these people . Shameless company .
    Was this review helpful? 0
    , new delhi
    Reviewed on Nov 24, 2019
  • review Car Insurance
    "It's a fraud company eating customers money"
    0.5 0.5/5 "Unacceptable"
    Bharti axa car Insurance company is not genuine at all as it is a private company so their focus is just to collect the premium from clients but at the time of claims they run from their responsibilities and deny the claims for no reasons.. The company they have hired for forensic and investigation are also working in their favour as those companies are paid by bharti axa for making reports in their favour, I would like to alert the customers to never go with bharti axa car insurance.
    Was this review helpful? 0
    , new delhi
    Reviewed on Nov 20, 2019
  • ICICI Lombard Car Insurance
    "Better Policy"
    0.5 5.0/5 "Blown Away!"
    Taken my car insurance from ICICI Lombard because it has been offered from Maruti Showroom itself and i have paid the premium amount of Rs. 13000. Its a zero depreciation hence its cover for bumper to bumper. They are providing the IDV value of Rs. 4.5 lakhs.
    Was this review helpful? 0
    , coimbatore
    Reviewed on Nov 13, 2019
  • Bajaj Allianz Car Insurance
    "Many network garages in Bajaj Allianz"
    0.5 5.0/5 "Blown Away!"
    I have a car insurance from Bajaj Allianz. They are providing a good no claim bonus and customer service is good so i have switched over from other company to Bajaj Allianz. For the car, i have paid the premium amount of Rs. 12200. Its a first party insurance.
    Was this review helpful? 0
    , mumbai
    Reviewed on Nov 12, 2019
  • Bajaj Allianz Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    I don't have any claim experience even the policy is good. There is no hassles till now. I have been paid the premium amount of Rs. 14000 and i have taken this policy long time back. There is no particular reason for choosing the Bajaj Allianz. Its a zero depreciation policy and they have provided me a coverage amount of Rs. 4.50 lakhs.
    Was this review helpful? 0
    , thane
    Reviewed on Nov 10, 2019
  • ICICI Lombard Car Insurance
    "Okay Policy"
    0.5 5.0/5 "Blown Away!"
    Recently i have a claim experience for my car insurance with ICICI Lombard. I got the ICICI Lombard insurance from the Maruti Showroom when i purchased the car. There was a claim issue when i applied it. They gave less settlement amount and it was a late approval. I had taken the zero depreciation policy.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Nov 09, 2019
  • ICICI Lombard Car Insurance
    "Okay Policy"
    0.5 4.0/5 "Great!"
    My friend is working as a agent in ICICI Lombard thats the reason i have gone with ICICI Lombard. I have paid the premium amount of Rs. 8500 for the satisfied coverage value as per the age of the car. I have not approached for any claim till now. The policy would be renewed by the agent itself.
    Was this review helpful? 0
    , jaipur
    Reviewed on Nov 08, 2019
  • National Insurance Car Insurance
    "Good Claim Experience"
    0.5 5.0/5 "Blown Away!"
    National Car Insurance is Government based policy and I'm using the Maruti car and they are giving a good service since they have a tie up. The price is very less when i compared with other company with the same IDV. I have a claim experience with them and it was satisfactory.
    Was this review helpful? 0
    , nellore
    Reviewed on Nov 07, 2019
  • United India Car Insurance
    "Good Insurance Policy"
    0.5 5.0/5 "Blown Away!"
    My car insurance was taken from United India. I have purchased second hand car, so i have been renewing the policy with the same company which car holder was having at earlier. I am paying the premium amount of Rs. 13000 per year. I have not applied for any claim till now.
    Was this review helpful? 1
    , manjeri
    Reviewed on Nov 05, 2019
  • Shriram Car Insurance
    "Excellent "
    0.5 4.0/5 "Great!"
    I have taken a car insurance from Shriram General since am an employee. The customer service is good. I have gone for claims and it was reimbursement. They have not tied up with the cashless showrooms. I am happy with the benefits. Its a first party insurance.
    Was this review helpful? 0
    , visakhapatnam
    Reviewed on Nov 03, 2019
  • HDFC Ergo Car Insurance
    "Good Policy"
    0.5 3.0/5 "Satisfactory"
    I found that HDFC Ergo is giving me a competitive rates and at the time of taking it in a urgent it was best. I have paid the premium amount of Rs. 11000 and its a zero depreciation policy. They are providing the coverage amount of Rs. 3 lakhs. After i browsed about HDFC Ergo, the agent came to my place and explained me about the benefits so i have renewed the policy from the agent sent by the company.
    Was this review helpful? 0
    , pune
    Reviewed on Oct 29, 2019
  • ICICI Lombard Car Insurance
    "Good Policy"
    0.5 4.5/5 "Excellent!"
    I have chosen my car insurance policy from ICICI Lombard. Its because of the benefits i have moved to this company from some others. I have paid the premium amount of Rs. 15000. Its a 100% covered zero depreciation policy. No claim experience.
    Was this review helpful? 0
    , bangalore
    Reviewed on Oct 23, 2019
  • New India Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    When i enter my car number, they have given me a higher IDV. For claiming the policy, i have take a picture and i can upload through online for the claim process. They have given me a IDV value of Rs. 2 lakhs and its not cover for bumper to bumper. I have not approached for any claim.
    Was this review helpful? 1
    , chennai
    Reviewed on Oct 20, 2019
  • United India Car Insurance
    "Good"
    0.5 4.0/5 "Great!"
    I have selected third party insurance for my car, the premium is reasonable with United India Insurance. I have Maruti Wagnor and its 10years old, their IDV is less. I have paid yearly premium around 4,700 rupees and have received the insurance paper. I have no claim experience.
    Was this review helpful? 1
    , pune
    Reviewed on Oct 19, 2019
  • ICICI Lombard Car Insurance
    "Not recommendable"
    0.5 2.0/5 "Expected more"
    Earlier, I had a policy with ICICI Lombard and have been facing so much of issues during claim which am not satisfied. When I purchased the policy, they have assured me its a cashless policy but when I have contacted the garage they denied for it and their executive is not at all helpful.
    Was this review helpful? 0
    , new delhi
    Reviewed on Oct 18, 2019
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