How to claim motor accident insurance without lawyer in india

  How to the claim motor accident insurance without lawyer in the India

How To the Claim Auto Insurance After an a Accident? 

Despite being is the good automobilist, you could be involved in an a accident and the result can be truly stressful at the times. When you are involved in an a accident, you need to the follow certain way to the ensure all are safe, follow the law and initiate the insurance claim process. Your immediate action is to the inform your insurance company and follow the procedure properly to the claim bus insurance after the accident. Working with your insurer after the accident is vital to the get your claim settled rightly. 

How to the Claim Auto Insurance After the  Accident in a India? 

The business density in the India can be the truly grandly due to the sheer number of the vehicles. While you may be drive safely and ensure you follow the business rules, there may be need mishaps. The process to the raise a claim for a bus insurance after an a accident has evolved over the times. Technology and digitizing of the some deals have made it easier to the follow certain procedures. Read on to the  learn what steps you can need to the take after an accident in India. 

Procedure For the Making a Auto Insurance Claim After the Meeting an a Accident 

Claiming Bus insurance after an a accident requires a careful understanding of the procedure of the registering the claim with  a your insurance company. Below is the step-by- step companion for the making a bus insurance claim 

1. Inform Your Insurance Company 

Make a call to the your insurance company to the inform them about the accident and give detailed information about the damages to the your bus. Ensure you do not withhold any details from the your insurer as it a may be ineffective while the settling claims. 

2. Train an FIR with the Police 

Inform the police about the accident directly and the file a First Information Report (FIR), if a demanded. FIR is a demanded in case of the theft, road accidents or fire. You may not bear an a FIR if it's for the minor dents and scrapes. And you will bear it is awhen a third party is included in the accident. 

3. Take Filmland 

Make sure you take necessary cinema of the damage and the place of the accident. Ensure the prints are the clear and damages are the visible so that the insurance company will be the suitable to examine the extent of the physical damages and settle the claim accordingly. 

4. Submit Demanded Documents to the Insurer 

To exercise the claim, the insurance company requires certain the documents analogous as the dupe of insurance policy, FIR, the owner- automobilist Driving Licence, a dupe of the Registration Certificate of the your bus, etc. Ensure you submit these documents and work with the your insurer for hassle-free experience. 

5. Get Your Bus Repaired 

You can be take your bus to the garage to the get it repaired. Or, you can be ask your insurance company to the get the auto fixed.However, you will also be the reimbursed or compensated for the loss accordingly, If the insurer approves your claim. 

6. In The Case of Theft 

In case your bus is stolen, follow the process of the informing your insurance company and train an a FIR at the original police station. Submit the documents analogous as the RC, your DL, FIR,etc. to the insurance company. However, they will be issue a non-traceable instrument, If the police are not be suitable to the trace the bus within a reasonable time frame. The insurer will be also settle the claim and pay the current request value of the your bus. 

 

Documents Demanded To the Make a Bus Insurance Claim 

One of the most important aspects while the raising a claim on your machine insurance is to submit the demanded documents. Below is the list of documents demanded while the raising a machine insurance claim 

 

• Copy of your machine insurance policy. 

• The First Information Report (FIR) from the a police. 

• Copy of the motorist’s driving licence. 

• Properly filled and inked claim form. 

• Original form bill, cash bills,etc. 

• Copy of your machine’s Registration Certificate (RC). 

• Medical bills in the case of the physical injuries. 

Fresh Documents in the Case of Payment Claim 

In case you would like your machine repaired with your plutocrat and also want to raise a claim to get a payment, you will have to give fresh documents to the insurance company. Below are the documents in case of the payment claim 

 

• Original form bills or cash bills. 

•  All the other documents listed above this section. 

What You Should Not Do After an Accident? 

 

 There are important preventives that you need to the exercise as soon as you meet with an accident. There are conduct that you should not be doing as a well. Learn what you should not do after an accident 

 

 Do Not Run Down 

 

Deal with the situation rather of facing the consequences latterly. Running down will be the make you look suspicious and the claim process becomes indeed more than the delicate. Depending on the harshness of the situation, you may have to meet legal consequences and end up losing a lot of the plutocrat. Stay calm and take a softer approach while the dealing with the people or law. 

 

 Avoid Not Filing a Claim 

 

Your machine insurance policy is designed to cover the fiscal arrears arising out of damages to the third parties and your machine. Not filing a claim within the quested time frame may be lead to the deprecation, causing a dent on a your savings. 

 

 Deal With a Calm Mind 

 

 Don't get argumentative with the third party. Deal the situation with the utmost care and insure a productive discussion with the third party. 

How To Train a Bus Insurance Claim? 

You can make two different types of the machine insurance claims which are Own Damage and Third- party claims. Also is the process on how to the file a machine insurance claim 

 

Own Damage Claim 

In case you have a comprehensive bus insurance which covers the your own damages, you can raise a claim for the damages to the  your vehicle. Below is the process to the file a bus insurance claim if a you have comprehensive insurance 

 

• Step 1 Inform your insurance company about the accident and the extent of the damages to the your vehicle. 

• Step 2 Train a First Information Report (FIR) at a the original police station. 

• Step 3 Submit demanded documents with the a insurance company. 

• Step 4 Get a surveyor to the check your bus and get the claim settled once your bus is the fixed. 

 

Third- Party Claim 

In case a third party has caused damages or injuries to you or to the your bus by a third party vehicle, you can be raise a claim for the medical charges due to the particular injury or property damage. There is no limit on the liability cover for the injury or death, while the cover for damages to the third party property is a limited bluffs.7.5 lakh. The Motor Insurance Claims Tribunal will be decide the compensation amount after the due process. 

 

Still, in case your vehicle has caused damages to a third party bus, your insurance company will be compensate for the loss, injury or death of the third party. Below is the process to the file the third party claim in both scripts 

 

• Step 1 Get the insurance details of the third party bus and detail the third party’s insurance company about the accident. 

• Step 2 Details the your insurance company within the quested time period. 

• Step 3 Details the accident at the original police station and train an FIR. Insure the FIR has all information of the vehicles involved in the accident. 

• Step 4 The Motor Claims Tribunal will be decide the compensation in a case of a major accident. 

Things To Remember:

Also are a numerous goods to the remember while raising a claim on the your bus insurance policy 

 

• Inform your insurance company directly without any detention. The time period is the generally within a 24 hours of the incident. In case of the detention, there is a possibility of the claim a being disapproved. 

• Inform the police if the demanded. In case demanded, ensure you got the FIR filed at the original police station. 

• Assess the situation and raise the right type of claim.However, you can avoid raising a claim and take advantage of the NCB, If it is a minor dent and is a negligible. 

• Ensure you enter correct details while the submitting the claim form. Avoid incorrect contact details or credentials which may be impact your claim. 

• Try and not make an on-the- spot agreement with the third party to the avoid unlooked-for hassles. 

• Do not get argumentative with the third party. Try and settle the issue amicably to the avoid any gratuitous confusion. 

• Abide by the legal formalities in the case of an s accident and follow procedures of the law department. 

• Make sure you get all the documents need to the raise a claim. 

• Still, also get your bus fixed at the network garage to the take advantage of the cashless service, If you have the option of a cashless claim installation.