With an increase in the number of vehicles on the road, the traffic conditions are deteriorating and road accidents are becoming very common. These accidents damage the vehicle you are commuting in. The repair costs due to damages, along with the replacement costs of spare parts, are very high.
It is, therefore, advised to have an insurance policy to cover the same. The Motor Vehicle Act of 1939, chapter VIII section, 96 and 97states (96: Duty of insurers to satisfy judgments against persons insured in respect of third party risks, 97: Rights of third parties against insurers on insolvency of the insured) also makes it mandatory to buy a car insurance policy before taking the wheels on the road.
The claim process for making a Car accident insurance claim is very straightforward just like buying a car insurance policy.
Here are 3 simple steps for you to follow while filing a car insurance claim:
Register your claim with your insurance provider and keep the details like policy number, engine chassis number, accident date and time, handy.
Drive your car to the nearest garage for repair, or have it towed depending on the severity of the damages.
Submit the copy of all the important documents to the garage, so that they can receive the amount from the insurer according to the criteria mentioned in your policy document.
Here are the top 10 tips that will be useful while filing a successful car insurance claim: Inform your insurance company about the car accident as soon as possible.
Inform the police in case of accident or theft. Keep the copy of FIR with you for claim processing.
Keep the following details at your disposal when you contact your insurer (online/offline):
a) Policy number
b) Engine number
c) Chassis number
d) Accident details like location, date and time of the accident
e) Km. reading of the car
Fill out the claim forms carefully. Take the help of insurer’s executives and furnish correct and adequate information about the incident.
Click pictures or make a video of the accident spot which may help the police and the insurers in their investigation.
Let the insurance company investigate the cause of the accident on their end. Do not interrupt their survey as it may mislead their analysis.
Never blow things out of proportion when reporting the incident. Stick to the facts and be explicit.
Follow up with the insurance company regularly and update yourself with the proceedings of the claim process.
Be honest about the incident. The Insurance Company will reject your claim if they find out that the claim is fraudulent.
Some insurance companies are very quick in settling insurance claim, companies like Jubilee General Insurance with AA+ ratings with their attractive packages such as private car comprehensive that covers the car bumper-to-bumper if your car model is 2014 and above, if you have a car that is 2013 and below you can also get your covered bumper-to-bumper under old car comprehensive package, there is also a 3T package that covers the car for three main threats those are third person liability, total lost ( if the car is completely destructed in any kind of accident) and theft.
Its one of the best company in Pakistan to get your car insured as their claim service is quick and just a call away, Car insurance from Jubilee General Insurance is the right way forward where your car is concerned.
At the time of insurance, an individual can buy insurance as per need and requirement and the kind of coverage they are looking for, as buying insurance is mandatory as per law and it also protects the entities for any unforeseen situations/circumstances.
Keep in mind the above pointers when you are filing a car insurance claim, to get your claim easy and hassle-free and swiftly.