Insurance

6 Mistakes to Avoid While Filing Third Party Car Insurance Claims

12/19/2018 RAWAT 0 Comments



A third party car insurance plan is compulsory for every car owner to have. It offers protection to the third parties who may suffer due to an accident involving your vehicle. Such an insurance cover compensates third parties on your behalf. Take a look at this article to know more about the common errors to avoid while making a claim.

Mistakes to avoid while filing a third-party claim

1.       Fleeing from the accident spot: A sudden road mishap may throw you off guard. You won't have much time to react, and in such a situation you may want to get away from there. This is a common mistake that you must avoid at all costs. If you flee the spot, you will end up with a rejected claim, in all probability. Stay there till the matter is sorted out.

2.       Not filing a First Information Report (FIR): An FIR is a very important document needed to file a third party car insurance claim. Your claim won't be honored unless you have an FIR to support it. So, make sure you file an FIR at the earliest stating all the details of the accident, the people involved, etc.

3.       Illegal settlements: Never agree to settle the matter illegally. The third party may ask you to make a payment on the spot or, conversely, offer you a payment to hush things up. This may seem like an easy way out of the situation, but might complicate things later on. It is better to follow the procedure and submit the documents regarding third-party insurance claim.

4.       Delay in informing the insurer: You can buy motor insurance online. You can also contact your insurance provider online. Similarly, you can use the online channel or any other channel to reach out to your insurer at the earliest. Do not delay informing your insurance provider about the accident and your intention to file a third-party insurance claim.

5.       Not collecting evidence: Being involved in a road accident can be quite stressful. But in a stressed state also you must not forget to collect as much of evidence as possible. Click photographs of every possible proof. Click photos of the vehicles, of the scratches and bumps, of people injured in the accident, of number plates, etc. The more evidence you have, the easier it will become for you to get the claim. Additionally, these evidences can also help you legally if there is a third-party insurance case later on.

6.       Incorrect documentation: Last but not the least, you need to submit the correct documents when filing the claim. Many people have their claims rejected because of this basic error. So, visit your insurance provider’s website and visit the motor insurance online section. You will see what exact documents you need. Submit them to get your claim settled faster.

These are some very common mistakes many people make that lead to a third-party claim being rejected. Now that you know more about these mistakes, ensure you stay away from them. Follow the correct procedure, and you will get your third-party claim without too many issues at all.

Consider Comprehensive Plan

A Comprehensive plan can be beneficial in case of expensive vehicles. Fairly new vehicles (0 to 5 years) must ideally have a Comprehensive plan for extensive coverage. This plan includes the benefits of a Third-party plan. Thus, you stay on the right side of the law with this plan as well. Apart from this, a Comprehensive plan insures your vehicle in case of damages to the car due to accidents and calamities. It also provides insurance in case of car theft.