Common Mistake While Filing Third Party Car Insurance Claim

`If you own a car, you cannot avoid owning an at least a third party car insurance policy. It is required as per motor vehicle act 1988. Apart from the legal obligation, if you think about the complete safety of your car, you must opt for a comprehensive car insurance policy. Your car insurance policy comes into rescue if you get a claim approved. But sometimes we do some common mistakes while filling car insurance claims. Here we will jot down some major mistakes while filling motor insurance claims.

Ignoring to Inform the Police: During any car accident, the first thing you should do is to call the police, never ignore or avoid calling the local police. There can be situations where the other parties involved in the accident try to settle down the case without calling the policy - never do so. Not informing the cop in case of an accident is illegal. Furthermore, FIR helps you to approve your claim of your car insurance policy.

Do Not Panic: If you face any accident, experts always suggest do not let your cool go or do not panic. Getting panic or stressing over the situations can only increase your problem. Arguing over the situation never works, instead of finding a proper solution. Thus think wisely and then come to any conclusion to get rid of such situation.

Stay on the Accident Spot: During an accident, you should not run away from the place of the accident. If anyone needs medical help, go and arrange it, but do not move your vehicle from the spot. You should handle this situation to stay over there.

Don’t Sign Any Releases to the Insurer: You should not sign any releases until you get legal advice or you consider that the first expected value of the claim settlement provided by the insurer is the final.

You Should Complete Prescribed Post-Accidental Formalities: What any accident got happened you should not forget to file the post-accidental formalities. You have to collect all the required documents of all the quarters and file a third-party car insurance claim as correctly and punctually as you can.

Do Not Accept a Cheques Saying ‘Final Payment’: Ignore accepting any cheque which is saying ‘final payment’ until you are sure for the same. Since claiming for car insurance is a very tiresome process, but if you follow the same carefully, then there are hardly any chances of its refusal.

You all are aware of the fact that third party car insurance claim procedure is quite tedious, so the insurers take time to settle your car insurance claim. In such circumstances, one thing that you should follow is to keep patience. So you should avoid all the above-mentioned mistakes in order to smooth the claim settlement process of your car insurance policy. So to get your claim successfully, you should avoid the above-mentioned mistakes. 

For more Information visit my website - gibl.in