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How To claim Car Accident

Tuesday, October 10, 2017 /

In today’s fast life everyone needs vehicles. Vehicles are the necessity of our life. But another phase of life also exists. Accidents are most common these days. Have you met with some accident or accidental injury and don’t have any idea how to claim your car accidents? If you have met with injury which was because of the other party mistakes. You can clearly file a compensation claim. You should know how to proceed with car damage and injury.

There is two type of insurance:

1. Comprehensive

2. Third party insurance

Comprehensive car insurance reports any losses due to damage or theft to your vehicle and if any death take place in the car during the accident.

Third party car insurance only covers the damage done by your vehicle to the other vehicle or property. It does not cover accidents, theft or damage to your vehicle.

Type of damage can I claim?

1.     Vehicle damage

2.     Personal property damage

3.     Car rental

4.     Pocket expenses.

If you have faced a highly damaged accident instead of any ordinary accident and you suffer injuries in a car accident, the legally it become much more elaborated. Apart of the things mentioned above, you may be claimed reimbursement of medical expenses or lost wages. You may also claim compensation for your mental stress and physical suffering stemming due to an accident. for best wedding planners in jaipur click here.

Even if you feel comfortable negotiation of settlement for property damage to your vehicle, it is strongly recommended that you should attempt the advice of a lawyer licensed in your state if you have been injured in a car collision. This is because of the unique destiny presented by bodily injuries and medical expenses.

For example: After an accident you might have been tempered and discharged from the hospital emergency room. The other driver’s insurance company want you to agree to a direct settlement for the medical expenses you spend up to that point. However, from a medical point of view, you can’t be sure about the extent of your injuries. Sometimes the symptoms of injuries don’t appear. If you agree for a direct settlement with the insurance company, and then came to know that you need more medical treatment for your injuries, you cannot go back from your agreement and can’t approach to the insurance company for additional compensation.

 You must have the papers:

  • ·        First information Report
  • ·        Claim form filled up
  • ·        Copy of insurance company
  • ·        Vehicle registration copy
  • ·        Driving license copy
  • ·        Estimation of repairs
  • ·        Medical receipt
  • ·        Original police certificate (for theft case)
  • ·        RTO Transfer paper (for theft case)

In case during your conversation with the insurance company you are not sure about the situation and quite confused about the answer then think before you speak because your statement has been reported that time and other party can claim you back on the behalf of your statement.

 Most of the time at the time of accident, other driver tried to settle the matter by direct dealing, you normally will not be dealing directly to set about the claim for damage. So it’s really important to gather the information. At the time of accident as everybody have camera phones these days. You should take the pictures of following:

  • The locations of the vehicles
  • Areas of physical damage on each vehicle, and
  • The license plates of each vehicle.
  • The other driver
  • The other driver’s insurance company
  • Any witnesses to the accident
  • Any law enforcement officers the come to the scene.

 

Things you should keep in mind?

Firstly, if you are shocked of the incident happening to you and doubtful of what you are answering to the questions putting to you by police or insurance company. Think before you speak because your statement can be recorded for the purpose to solve your case. Your motor insurance claim can be denied if those statements can be used against you.

 

 

 

 

 

 



Published by : Ankita
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