You must be thinking that car insurance claims are very easy to get. However, it will not be an easy task. You can claim poor car insurance repairs only after an accident. There can be two circumstances – either your car must have collided or an accident caused by careless driving. Whatever the case may be, it is not an easy task to file an insurance claim. Make sure to compare car insurance companies for the best policy to save money and be fully protected if an accident occurs.
What you should do after an accident?
After an accident, it becomes difficult to control your nerves or think logically. But you should first calm down and remember the details of the accident, the license plate numbers, visual details of the vehicle and the model details. Take pictures of the scenes and if you have got any injuries, do take that picture as well. Record the details of the damage, list down the details of the witnesses, and take their addresses and phone number to make your evidence strong. The last thing that you have to do before filing poor car insurance repairs is that you need to forward the details to the insurance agency. Then the insurance company will evaluate your papers and disburse your insurance claim accordingly.
Documents that you need to submit for your insurance claim:
The first thing that you have to do after an accident is to report a complaint to your nearest police station and give all the information to the insurance agency. Next, you have to take your car to the garage for inspection purpose and get an estimate for the car repairs. You must choose a garage or auto repair shop that is registered under the same insurance company. The poor car insurance repairs company may ask for certain documents for filing your insurance:
- You need to produce the FIR
- Photocopy of the insurance policy
- produce medical prescriptions and receipts if you had any injuries
- Photocopy of your driver’s license
- The insurance claim form has to be produced by filling up all the information properly
- Estimation of the costs for poor car insurance repairs
Carefully study all the damages caused. If it is just a minor repair, then you can do that on your own without filing any claim to the insurance company. During the claim-free years, you can easily enjoy the advantages of No Claim Bonus.
How to file your insurance claim for car repairs?
After producing the evidence and the other necessary documents, a stipulated time frame of 10 to 15 days will be given to you for authentication of the filing process. Now the company will ask you to file insurance based on either cashless claim or reimbursement claim. However, the quality of service that you get will depend on entirely on the organization tied up with the insurance company. So before going for a cashless claim, you should clarify the service centers or the organizations associated with it. Another way of filing the claim is reimbursement insurance claim where your car insurance repairs can be done by paying a certain amount to the service center. First, your car inspection will be done by the service providers and then you have to pay to the garage. After doing this, you need to submit all the essential documents including driver’s license and the insurance policy to the insurance company. The poor car insurance repairs company will pay the amount for you and this process will take two weeks approximately.
Nowadays the online websites are allowing the customers to complete the entire process and file the insurance claim easily. You can claim your car insurance from online and you can also ask their representatives to inspect your car once.