While the pleasures of owning and driving a car are many, there are also a few downsides to it. Chief among them is the risk of accidents and the ensuing costs of repairs.
Car insurance is a great way of easing your burden in case of theft or any mishaps. But, making a claim isn’t always straightforward. That’s why we’ve put together this little guide to help you get the most out of your motor insurance policy!
In the unfortunate event that your car gets damaged or is stolen, this is what you should do:
1.File an FIR (First Information Report) with the police
This is a critical first step, especially in cases of major damage, damage to third-party property, theft or serious injury. If your car has been stolen, is completely burnt or damaged beyond repair, you’ll definitely need to file an FIR. If the damage isn’t significant, you may not require an FIR and can inform your insurer straight away.
2. Take photos of the damage and accident site
Here’s one of the many ways where our smartphones can be very useful! To provide valid evidence, it’s important to take photos of the damage and the accident site. Remember to capture the incident from different angles.
3. Note down contact details and info of all involved
It’s important to note down the contact information and vehicle numbers of any other people involved in an accident or mishap. If you can, get a photo of the other vehicle’s insurance documents too. This will make it easier to trace these people in case other details are required later on.
4. Notify your insurance company
The most basic mistake people make is not informing their insurance providers ASAP. Insurers usually have limits ranging from 24 hours to 7 days to report the mishap. Not doing this in time could mean that your claim request might not be accepted.
5. Submit ALL required documents
When you notify your insurer, you will have to register a claim and submit some documents. It is always convenient to approach call centre with policy details and share details of date, time and place of accident along with driver details & brief narration on how the accident occurred. Basis these details, call centre will be able to register the claim. Below documents need to be submitted to Insurers :
- An insurance claim form
- A copy of the vehicle’s RC (registration certificate)
- A copy of the driver’s driving licence
- An original copy of the FIR (if applicable)
- NEFT details ( owner of the vehicle )
THE EDELWEISS ADVANTAGE
If you’re an Edelweiss Motor Insurance customer, all you need is the Edelweiss BOLT App to register your claim. Using the app can significantly reduce the time taken to settle your claim. This is because you will be able to submit ALL documentation through the Edelweiss BOLT App. It even eliminates the need for a surveyor to examine your car! The result – you get your repaired car back faster than ever before.
6. Take the car to a garage of your choice
If you prefer getting a cashless claim, it’s best to take your car to one of your insurer’s preferred garages. You’ll find a list of network workshops with your policy documents. If you don’t have the list on hand, you can check your insurer’s website or call the toll free number and ask for the garage closest to you. On the other hand, if you’re okay making a reimbursement claim (where you pay cash and then claim the amount from your insurer), you can go to a workshop of your choice. Just remember to get bills for all your expenses.
Insurance claims can be troublesome and cumbersome. But with the right info, a dependable insurer like Edelweiss General Insurance and the Edelweiss BOLT App,you can make it a quick and pain-free experience!