Car Insurance Claim-
Hello friends, In today’s article, I will try my best to answer all the questions that arise in your mind related to “Insurance Claim”.
Before knowing the answers to the questions, let’s take a look at some important points of the insurance claim, so that it will be easy for all of you to understand about the insurance claim.
What is an Insurance Claim?
We are going to explain you very simply about the insurance claim. Whenever we all of you take a new vehicle or take a second hand vehicle, we get that vehicle insured in our name. While getting insurance, we all give you a fixed amount of insurance, both the date of getting insured and the date when the insurance of your vehicle is expiring is written on the insurance paper.
The main thing is that we get you insurance that if any kind of accident happens, then the damage done in that accident can be compensated.
Questions answers related to insurance claims.
- How to make a claim if the vehicle has been in an accident?
Whenever the accident of your car is due to collision with another vehicle, you will first have to file a First Information Report from the place of accident to the nearest police station. If in an accident you are not in such a condition that you can go to the nearest police station, then call and inform the police about the accident and also call an ambulance for first aid.
After writing the first information report, immediately inform your insurance company and give complete information about the accident.
A surveyor sent by the insurance company prepares an accidental damage report of the vehicle involved in that accident.
This accidental damage report goes to the manager of the insurance company and he passes the claim based on the terms and conditions of the insurance.
- What are the terms and conditions of vehicle insurance?
Know about some of the main terms and conditions.
The vehicle must be insured.
The driver of the vehicle must have a valid driving license.
The age of the driver of the vehicle should not in any case be less than 18 years.
The insured vehicle should have registration, fitness, and permit.
The driving of the vehicle should be within the limit given in the vehicle permit.
- When can I not claim vehicle insurance?
Driving a vehicle without a valid driving license.
The age of the driver is less than 18 years.
There is no registration, fitness and permit of the vehicle.
Violation of the limit given in the driving permit of the vehicle.
Drunk driver.
The accident of the vehicle may have happened due to the fault of the driver.
And any other such condition which is violating the terms and conditions of the insurance.
- If the insurance policy of the vehicle is lost then can I claim?
Yes, you can get a new duplicate insurance policy for a nominal fee by giving a written notice of the loss of the vehicle insurance policy to your insurance company. One thing to note here is that the insurance should be valid.
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varun sharma