What Happens After a Car Accident? A Step-by-Step Claims Guide

Car accidents are stressful, but understanding the claims process can make the situation more manageable. Here’s a clear guide to help you through it:

Step 1: Immediately After the Accident

- Stay Safe:- Check for injuries and call an ambulance if needed.

- Move vehicles to the side of the road (if possible) to avoid more accidents.

- Turn on hazard lights and use warning triangles if you have them.

- Do Not Admit Fault:- Stick to facts. Don't accept or assign blame—it’s not your job to decide.

- Exchange Information:

Collect these details from the other driver(s):- Name and contact info.

- Driving Licence Number.

- Vehicle Registration Number.

- Car Insurance Policy details (ask to see proof).

- Gather Evidence:- Take photos/videos of the scene, vehicle damage, number plates, and road conditions.

- Note the time, date, and location.

- Get witness names and contact numbers if available.

- File an FIR (if needed):- Mandatory for serious accidents (injuries, major damage, hit-and-run).

- Visit the nearest police station and provide the details.

Step 2: Inform Your Insurance Company

- Act Fast:- Notify your insurer within 24-72 hours to avoid delays.

- How to Inform:- Call their helpline, use the mobile app, or log in to their website.

- What You’ll Need:- Policy number, vehicle registration number, accident details (date, time, place).

- Keep Track:- Save the Claim Intimation Number your insurer provides.

- Submit Documents: Your insurer will guide you, but typically you’ll need:- Completed Claim Form.

- Vehicle Registration Certificate (RC).

- Driver’s Licence.

- Insurance Policy.

- FIR (if required).

- Photos and repair estimates (if applicable).

Step 3: Damage Assessment and Repairs

- Vehicle Survey:- A surveyor from the insurance company will inspect your vehicle.

- Wait for this step before starting repairs unless approved.

Repair Options

Cashless Repairs: Go to an authorized garage. The insurer pays the approved cost directly. You’ll cover deductibles and non-covered items.

- Reimbursement Repairs: Choose your own garage, pay upfront, and submit bills for reimbursement. This takes longer.

Step 4: Third-Party Claims

- If You’re at Fault:- Your insurer handles damages/injuries caused to others. Provide them with all the details, including the FIR.

- Don’t settle directly with the other party—let your insurer manage it.

- If Someone Else is at Fault:- File a claim against their insurance.

- An FIR and their insurance details are crucial for compensation.

Step 5: Settlement and Closure

- Own Damage Claims:- For cashless repairs, the insurer pays the garage directly after repairs.

- For reimbursement, you’ll get the approved amount transferred to your bank account after deductions.

- Total Loss:- If repair costs exceed 75% of your car’s insured value, the insurer may declare it a "total loss" and pay you the insured amount minus deductions.

- Impact on No Claim Bonus (NCB):- Claiming for damages to your car resets your NCB to 0% at renewal.

- Third-party claims don’t affect your NCB.

Key Takeaways:

- Act Quickly: Report accidents and file claims promptly.

- Document Everything: Photos, details, and paperwork are essential.

- Know Your Policy: Understand your coverage, deductibles, and terms.

- Cooperate Fully: Follow your insurer’s instructions step by step.

- Keep Records: Save copies of all documents submitted.

Accidents are tough, but knowing what to do can help you stay calm and get things back on track.