Filing an auto insurance claim

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There is danger at every corner when it comes to Indian roads. Automobile insurance plays an important role in protecting consumers from serious financial losses that result from accidents.

Filing an auto insurance claim
At the scene
a) Stop and get help for the injured.
b) Call the police and notify the nearest medical unit.
c) Provide the Police with the information they require.
d) Take steps to protect your car from further damage. Your Insurance Company will probably want to have someone inspect it and appraise the damage before you order the repair work done.
e) Record the details of the accident.

Filing your claim
1. Phone your insurance agent. Do it as soon as possible even if you are far off from home and even if someone else caused the accident.
2. Ask your agent on how to proceed and what forms or documents will be needed to support your claim. Your company may require a "proof of loss" form, as well as documents relating to your claim, such as medical and auto repair bills and a copy of the police report. Supply the information your insurer needs.
3. Keep records of your expenses. Expenses you incur as a result of an automobile accident may be reimbursed under your policy.
4. Keep copies of your paperwork. You may need to refer to it later.