Stay calm if you need help submitting a claim for your damages under your auto insurance because the procedure is quite organized. Understanding the procedure overall is essential when submitting a claim with your auto insurance company following an accident.

Own damage auto insurance compensates for any personal losses incurred by the covered vehicle due to an accident, theft, earthquake, fire, riot, etc. Following an accident, one must file a claim via the insurance provider. You can buy this coverage with a third-party insurance auto policy.

Steps on to claim car insurance for own damage

Step 1- Notify your insurance provider

Reach your insurance company to inform them what happened and what damage was done to the car. Ensure that you keep all information from your insurance since doing so can make it more challenging to settle disagreements.

Step 2: Submit a police report as an FIR

As soon as an incident is reported to the police, if required, a First Information Report (FIR) ought to be filed. An FIR is required, for instance, whenever a car accident, theft, or fire occurs. However, when the damage is merely minor dings and scrapes, you may not be required to submit an FIR. Additionally, if a third party has been involved, you will require it.

Step 3: Present photographic evidence

Take as many pictures of the accident scene and the damage as possible. Ensure that the photographs are clear as well as the injuries are visible so that the insurance provider for own damage can determine the degree of the material damages and suitably settle the claim.

Step 4: Submit the Required Documents to the Insurance Company

To file the claim, the insurance company requires a printout of the insurance policy, the owner's license, the FIR, the driver's copy of the automobile registration certificate, and any other necessary information.

Step5. Repair your vehicle

You might bring your vehicle to a shop to get mended. You should ask your insurance company to cover the cost of fixing the vehicle. When the insurer approves your claim, you will be compensated for your loss or whole.

Step 6: Claim Settlement Process

The repair costs are placed with the network garage following receipt of the final report of the surveyor in the case of a cashless claim settlement process. When you deliver your insurance repair amount receipts, claims are settled if you choose the reimbursement settlement claim procedure. You must be aware that even while your personal damage insurance company will foot a necessary percentage of the bill for fixing the car, you remain responsible for making a required deductible.

Documents Needed to File a Car Insurance Own Damage Claim

To file a claim for the damaged autos, one would require particular paperwork to settle the payment.

One would need specific documentation to pay the compensation to submit a claim for the damaged vehicles as below:

  • An insurance policy copy.
  • A copy of the police department's FIR report.
  • Completely completed and signed claim form.
  • A copy of the vehicle registration documents and the current driver's license.
  • Information on the costs of the repairs.
  • Original copies of the medical receipts are required in cases of physical injury.
  • Any additional expenditures are paid with a copy of the original receipt.

Things to Keep in Mind When Increasing Own Damage Claims for Auto Insurance

  • Notify your insurance company right away and without delay. The period typically starts by 24 hours following the event. Whenever there is a delay, there is a possibility that the claim won't be approved.
  • Inform the police if required. If necessary, ensure that the FIR is submitted to the local police station.
  • Establish the facts and submit the proper claim. For instance, you may utilize the No Claim Bonus (NCB) rather than making a claim when the dent is small and unimportant.
  • Ensure that you have the right information before submitting the claim form.
  • In the event of an accident, follow legal standards and law department procedures. Additionally, compile all the paperwork needed to submit a claim.
  • Try to delay committing to a resolution with the 3rd party immediately to avoid unanticipated issues. Likewise, avoid arguing with the other party.

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Conclusion

You may file your damage claim when an accident results in loss or damage to your insured vehicle. You must provide evidence of the accident-related damage or loss for your insurance company to pay for accident-related medical or repair expenses. Lastly, personal auto damage insurance is more expensive than a typical auto insurer. The premium is based on the vehicle's IDV. You should pay close attention while renewing your auto insurance since it's crucial to consider the vehicle's age. It's also essential to renew full coverage on time to avoid paying for pricey auto repairs.