A List Of Do's And Don'ts For Your Insurance Claim Process

Often dealing with insurance companies can be an overwhelming task due to them being large corporations and lack of information on insurance claim procedure. The good news is that there is always help at hand and some companies like HDFC Ergo make your insurance claim process work like a breeze.

What to do while filing an insurance claim:

  1. Call the police

The first thing to do after any accident is to call the police. An FIR is a legally mandatory document you would need while filing your claim, so it becomes all the more important to involve the police as soon as you can.

  1. Inform your insurance provider

Always make sure that you inform your insurance agent or insurance company as soon as an accident occurs. Most companies provide a 48 hour window for you to file a claim after the accident happens.

  1. Note down the names and numbers of witnesses

Remember to take photographs of the damage to your vehicle, your injuries and the accident in general. Photographic evidence is a great way to record the incident in its vivid details and help fasten up the claim settlement process. Do not forget to note down the names and details of any witnesses.

  1. Go through your policy document

It is a good idea that before you file a claim, you take some time to read the policy document and understand what is covered and what is excluded.

  1. Be honest

Deliberately hiding information or manipulating facts may land you in trouble by getting your claim rejected or even invalidation of your policy. So be honest at all times.

  1. Save all receipts

From the time of the accident and until the final settlement, keep all your receipts saved that are related to your claim.

What not to do while filing a claim:

  1. Do not run away from the scene

The biggest mistake you can ever make to get your claim rejected is to drive away from the accident, especially if you are at fault. So, do not move your vehicle or the other party’s vehicle and arrange for first aid if needed.

  1. Do not avoid informing the police

Very often the party at fault tries to offer a settlement without informing the police. This is illegal and you must refrain from such offers. Remember not having an FIR will get your claim rejected right away.

  1. Do not lose control

It is only natural to get stressed in such a situation and act in an aggressive manner or angry. Some people on the other hand act submissive and accept the blame even if it was not their fault. It is suggested that you do not do either of these.

Keep these do’s and don’ts in mind while filing your insurance claim to facilitate a speedy handling of your claim.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before going ahead with the purchase.

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