From bike, car to bus-truck... why is FIR necessary in case of an accident, what should be done to get insurance claim?

Be it a bike, a car, a bus, or a truck on the road... an accident can happen to anyone. At such times, the biggest concern is whether the insurance claim will be received or not. Often, people do not understand whether an FIR should be filed to get an insurance claim if two vehicles collide or not.

If someone dies in an accident or a party suffers loss, what should be done so that insurance can be obtained? Policybazaar.com's Motor Insurance Head, Paras Pasricha, is talking about this.

When is FIR necessary?
If two vehicles collide and only minor damage has occurred, then a FIR is not necessary every time. But if someone gets injured, dies, or there is major damage to the third party's property, then it becomes mandatory to register an FIR.

This legal record is necessary for the claim. This document becomes the most important condition for getting the claim. That is, while driving on the road, it is equally important to know the rules related to insurance, not just the helmet or seat belt.

What should be done after an accident?

First of all, inform the police and get an FIR registered. If needed, keep a copy of the FIR with you.

Inform the insurance company within 24 hours. The sooner you inform, the easier the claim process will be.

Make photos and videos. Keep a record of the place of the accident, damage to the vehicle, vehicle number, and injuries.

Do not get repairs done without the permission of the surveyor. If unauthorized repairs are done, the claim may be affected.

Submit the necessary documents. Such as policy copy, driving license, RC, FIR/GD (if any), signed claim form, and repair estimate.

How is the claim settled?

When the surveyor of the insurance company inspects the vehicle and gets approval, then the further process begins. However, after this, the customer has two options-

You can get a cashless settlement by getting the vehicle repaired in a network garage.

Get the repair done at your own expense and later claim reimbursement from the insurance company.

Why is the right procedure necessary?

The risk of claim rejection is reduced by giving correct documentation and timely information. It is most important to take the right steps instead of panicking after the accident.

If FIR is necessary, then definitely register it and inform the insurance company immediately. This will help you get the claim easily; that is, the biggest mantra in a road accident is this - do not panic, take the right steps at the right time. Only then will you get the claim without any hassle.

Disclaimer: This content has been sourced and edited from Dainik Jagran. While we have made modifications for clarity and presentation, the original content belongs to its respective authors and website. We do not claim ownership of the content.