Once the vehicle reaches the doorstep, it becomes the duty of the owner to ensure its safety and maintenance. Apart from equipping the car with safety features, it is crucial to buy a car insurance plan. Car insurance is an important step that guarantees a feeling of security to any vehicle owner.
Good Reasons to Buy Car Insurance
Third Party Legal Liability Protection for 'Good Drivers'
You are a good driver. But are you sure about others driving on the road? What if someone hits your car and injures you? Car damage during an accident can be an expensive affair. Buying a car insurance plan ensures you Third Party Legal Liability Protection against legal liability due to accidental damages resulting in the permanent injury or death of a person, and damage caused to the surrounding property.
Cover against Man Made Calamities
Most people tend to ignore the importance of car insurance if they have ample secure space to park the car. Many car owners also have anti-theft devices installed in their cars. That's great! Installing anti-theft device in your car is definitely a prudent precautionary measure. But did you know the burglars are a step ahead? Some are smart enough to crack the safety system and take your car away. Having a car insurance plan in hand will definitely help. It offers you cover against Loss or Damage to your vehicle against Man-made Calamities such as burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity, and any damage in transit by road, rail, inland waterway, lift, elevator or air.
When things are NOT in your Control
Some things in life are under your control while others aren't. Natural calamities are the best examples for 'out of human control' circumstances. These disasters can bring upon a lot of damage to your property. Having a car insurance plan can help you cope with these situations. The plan offers cover against Loss or Damage to your vehicle against Natural Calamities including fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, and rockslide.
Personal Accident Cover
Buying a car insurance plan will ensure you coverage of 2 Lakhs INR for individual driver of the vehicle while travelling, mounting, or dismounting from the car. You can also apply for optional personal accident covers for co-passengers.
Hassle Free Service
Buying insurance plans is 100% hassle free these days. You can buy car insurance online from the convenience of your home. All you need to do is log on to the World Wide Web and have a look at various car insurance quotes. Understand the product well before deciding on a plan via browsing through the website and knowing what's offered.
Making Car Insurance Claim
Cashless
Motor insurance claim is not a tedious task anymore. There is a provision to avail cashless facility in the event of accident. You need to take the vehicle in any of the cashless garage networks and get it repaired. The insurance company will pay for the expenses as stated in the policy terms.
However, if the vehicle is serviced in a garage outside the purview of insurance company network, then you need to claim reimbursement for the same. Hence, it is vital to keep a checklist of all India cashless garage list handy. This will help you know where to go in case of an emergency.
Making Car Insurance Claim for Accident
There are certain rules and regulations to follow in case of an accident. Make sure you mote the number of the other vehicle involved in the accident (if any). Also keep a note of witnesses involved (if any). Get in touch with the insurance company using their toll free number and give your claim number / reference number.
The call centre representative will instantly provide you with the details of the documents required for initiating the claim process and details of preferred cashless garage. Under the event of property damage, bodily injury, theft, and major damages, you must file an FIR at the nearest police station.
Once the claim is registered with the insurance company, the customer service manager will get in touch with you. This usually happens within 24 hours of registering the claim. You need to submit all the requisite documents to the manager and get them verified with the originals. The customer service manager will make out the estimate for the vehicle repairs and give spot approval after a detailed assessment.
Payments that need to borne by the company (as per the terms and conditions stated in the policy) at the preferred garage will be made directly to the garage on completion of the repairs.
The Documentation for Claim
To speed up the process of car insurance claim, you need to make sure the documentation is requirements are fulfilled at your end. Here is a list of necessary documents you need to arrange for in order to process the claim:
Documents for Accident Claim
- Claim form duly signed
- RC copy of the vehicle
- Driving license copy
- Policy copy (the first two pages)
- FIR (according to the requirement of the case)
- Original estimate
- Original Repair Invoice
- Payment Receipt
Documents for Theft Claim
- Claim dorm duly signed
- RC copy of the vehicle with all original keys
- Driving license copy
- Policy copy
- Original FIR copy
- RTO Transfer Papers duly signed along with Form 28, 29, 30 and Form 35 (if hypothecated).
- Form 28 is needed in triplicate, Form 29 & 30 are needed in duplicate.
- Final no trace report from the police saying that the vehicle cannot be located.
Documents for Accident Claim
- Claim form duly signed
- Police FIR copy
- Driving License copy
- Policy copy
- RC copy of the vehicle
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