What Happens After a Car Accident? A Step-by-Step Claims Guide

Car accidents are stressful, but understanding the claims process can make the situation more manageable. Here’s a clear guide to help you through it:

Step 1: Immediately After the Accident

- Stay Safe:- Check for injuries and call an ambulance if needed.

- Move vehicles to the side of the road (if possible) to avoid more accidents.

- Turn on hazard lights and use warning triangles if you have them.

- Do Not Admit Fault:- Stick to facts. Don't accept or assign blame—it’s not your job to decide.

- Exchange Information:

Collect these details from the other driver(s):- Name and contact info.

- Driving Licence Number.

- Vehicle Registration Number.

- Car Insurance Policy details (ask to see proof).

- Gather Evidence:- Take photos/videos of the scene, vehicle damage, number plates, and road conditions.

- Note the time, date, and location.

- Get witness names and contact numbers if available.

- File an FIR (if needed):- Mandatory for serious accidents (injuries, major damage, hit-and-run).

- Visit the nearest police station and provide the details.

Step 2: Inform Your Insurance Company

- Act Fast:- Notify your insurer within 24-72 hours to avoid delays.

- How to Inform:- Call their helpline, use the mobile app, or log in to their website.

- What You’ll Need:- Policy number, vehicle registration number, accident details (date, time, place).

- Keep Track:- Save the Claim Intimation Number your insurer provides.

- Submit Documents: Your insurer will guide you, but typically you’ll need:- Completed Claim Form.

- Vehicle Registration Certificate (RC).

- Driver’s Licence.

- Insurance Policy.

- FIR (if required).

- Photos and repair estimates (if applicable).

Step 3: Damage Assessment and Repairs

- Vehicle Survey:- A surveyor from the insurance company will inspect your vehicle.

- Wait for this step before starting repairs unless approved.

Repair Options

Cashless Repairs: Go to an authorized garage. The insurer pays the approved cost directly. You’ll cover deductibles and non-covered items.

- Reimbursement Repairs: Choose your own garage, pay upfront, and submit bills for reimbursement. This takes longer.

Step 4: Third-Party Claims

- If You’re at Fault:- Your insurer handles damages/injuries caused to others. Provide them with all the details, including the FIR.

- Don’t settle directly with the other party—let your insurer manage it.

- If Someone Else is at Fault:- File a claim against their insurance.

- An FIR and their insurance details are crucial for compensation.

Step 5: Settlement and Closure

- Own Damage Claims:- For cashless repairs, the insurer pays the garage directly after repairs.

- For reimbursement, you’ll get the approved amount transferred to your bank account after deductions.

- Total Loss:- If repair costs exceed 75% of your car’s insured value, the insurer may declare it a "total loss" and pay you the insured amount minus deductions.

- Impact on No Claim Bonus (NCB):- Claiming for damages to your car resets your NCB to 0% at renewal.

- Third-party claims don’t affect your NCB.

Key Takeaways:

- Act Quickly: Report accidents and file claims promptly.

- Document Everything: Photos, details, and paperwork are essential.

- Know Your Policy: Understand your coverage, deductibles, and terms.

- Cooperate Fully: Follow your insurer’s instructions step by step.

- Keep Records: Save copies of all documents submitted.

Accidents are tough, but knowing what to do can help you stay calm and get things back on track.

Be ready with these 10 documents to ensure your claim isn’t delayed.

Know if your car is a total loss or just repairable—insurers follow global and Indian practices.

Got into an accident with a rented vehicle? Check out this special guide for rental car accidents and insurance.