For the average young professional, when the monotonous 5-day work week is separated by a long weekend, the long drive becomes the perfect opportunity to get away from the hectic schedule that plagues the rest of the week. In our country, summer is synonymous with long journeys by road. However, summer is also the time that traffic peaks. This means there it is more likely that an accident will occur. Regardless of whether it is a minor bump or a major crash, it can cause a world of troubles for you and others on the road.
Traffic authorities instruct drivers to drive defensively on the roads for the sake of their own safety and that of others. However, there are some incidents that even experienced drivers cannot avoid. If you’re in such a completely blameless accident, there are a few things you need to remember. More precisely, you need to know what to do next:
Check for injuries
The first thing you need to do is determine if the accident resulted in any injuries. You need to remember that your health and safety comes first in this situation. You need check yourself and any passengers in your car for injuries. Once you have done that, check on any other person that could be affected by the accident. If you, your passengers, or your someone is injured, you should dial 100 to call for emergency assistance. *
If the cause of the accident is yourself, you should share your contact details and third party car insurance information with the affected third party. In the event of an accident caused by another vehicle, you will need to enter the car registration details, driving license number and insurance information. This helps in managing the accident in a productive and cordial manner. You and any third-party involved in the accident can manage any losses better by co-ordinating with each other. *
Collect evidence by clicking pictures of the scene of the accident. You also need to ensure that you capture the damage to your car and injuries to yourself and your passengers from different angles. This will serve as evidence for your police report and your claim application. *
File a report with the police
Filing an official complaint is the most important part of filing a claim. The victim or family should register an FIR at the nearest police station. The complaint should be supported with details such as the license of the other party involved in the accident, the registration number of the vehicle involved in the accident, the name of the trusted witness and the details. Doing so will help in the investigation that the car insurance provider conducts on their end. When the police concludes their investigation, their report will be considered as a fact. This almost ensures that your insurance claim will be approved. *
Contact your insurance provider
After you have ensured that your FIR is registered and you have enough evidence, you should contact your insurance company and inform them about the incident. You will be given a claim information number, which you should store for future reference. After your claim has been thoroughly processed, you will be notified of its approval. If you have made a cashless claim, you will receive the notification while your car is being repaired is a network garage. *
* Standard T&C Apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.