In Spite of careful driving and all the precautions, we cannot avoid every accident. In such an unfortunate event, it is important to remain calm and balanced and conduct life saving measures as soon as possible. Once you are okay physically, please follow below quick points for your car insurance.
Assess the gravity of the claim
Every accident is not major. You might have a small dent on the body of the car. The car can still move and you can get it repaired anytime as per your convenience. In such a case, it is a good idea not to file a claim. As for every “Zero Claim” year, you will get No claim Bonus (NCB). The amount of car insurance NCB is significant. Many times, the NCB amount is higher than your claim amount! This is true specifically in case of small dents or minor accidents. So, remember – every car accident is not worth filing a claim.
The Claim Process
For a major accident, it is necessary to file a claim. It is mandatory legally and required for the financial support to cover the repair cost. Follow below basic steps in case you need to file a claim for a car accident.
What is not covered?
Having car insurance does not mean each and every damage will be paid without investigation and justification. Below are some of the circumstances when your claim will be rejected.
What not to do?
What cannot be paid, even if the claim is valid?
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