Car Insurance Claim: Whom To Call When Someone Hits Your Vehicle?

Posted:

05 January,2023

Updated:

15 February,2024

what to do if someone hits your car india

Table of Contents

    A car insurance policy can protect the policy holder against unanticipated costs and will pay for any insured damages caused by an accident. The policy holder can get roadside assistance by calling their insurance provider in case of an accident. The insurance firm will contact the other party involved when deciding who must cover accident-related losses. The sort of policy the customer has selected will determine the extent of the auto insurance coverage.

     

    A car accident can be an unnerving incident that may overwhelm you. At the moment, it will be difficult to remember what happened and what you need to do next. If someone’s vehicle hits your car, you will also be confused about which car insurance company to contact. In such a situation, it is always beneficial to remain calm and ensure the insurance details, car registration, and other necessary documents are in order.

     

    Shriram Car Insurance policy ensures that a policy holder has all-round coverage for their vehicle. If any risk is not covered under the insurance, individuals can always purchase it as an add-on for their safety. Get a significant no-claim bonus even if your car was previously insured with other car insurance provider but is now renewed with us.

     

    Let’s go through the steps that need to be taken if an accident occurs, causing damage to your vehicle.

     

    What to do if Someone Hits your Car?

    The first thing a person can do if an accident occurs is to try to calm themselves. After that, they can check themselves and the people with them for injuries. Emergency services must be contacted immediately if any party is in distress. Here are the steps that an individual need to keep in mind after an accident has occurred:

    • Call the police and file a report of the incident.
    • Exchange information with the other party involved in the accident.
    • Make a record of the damage caused through photos and videos.
    • Document the contact information of any witnesses who saw the accident as it occurred.
    • Contact your car insurance company and inform them that your car was just hit by another vehicle.
     

    Which Party’s Insurance Company Should You Call?

    In an accident, whether it is the fault of the other person’s or your own mistake, it is essential to inform your insurance company as soon as possible. Even if the accident is minor, getting it on record with the insurance company will help kick-start the claims process. Some insurance companies will also help if you need to tow the vehicle or require any other roadside assistance. Let’s explore the cases under which an individual should consider contacting their insurance company.

     
    • When the other party is solely responsible for the accident

    Suppose the other person has hit your car and is clearly at fault (provided they agree they are responsible for the accident). In that case, the policy holder can file a claim through their insurance company. The insurance coverage will pay for the damage they caused. In this case, it is also best to inform the insurance company that a third-party claim is being filed.

     
    • When the policy holder is solely responsible for the accident

    If the accident is clearly the policy holder’s fault, they must immediately contact their insurance company and initiate the third-party liability claims process. Once the police record is reviewed and the policy details are listed, the insurance company will handle communications with the other person’s insurer. Both insurers will work together to determine who is at fault for the accident.

     

    In any case, the insurance coverage that pays for repairs will depend on the coverage and specifics of the accident. If you are found not to be at fault, then the person responsible and their insurance company will pay for the damages caused. However, this can get complicated if the other person does not have insurance or if they have a minimal amount of liability coverage.

     

    How to Make a Claim After a Car Accident?

    The insurance company may ask the policy holder to furnish certain documents to help them verify and validate the claim. A claim form will be provided for the policy holder to fill in after which they will be required to submit all necessary documents.

     

    Here is a list of documents that most insurance companies ask for:

    • A copy of the insurance policy registered with them.
    • First Information Report (FIR) filed with the police.
    • Claim form that should be duly filled and signed by the policy holder.
    • A copy of the registration of the car.
    • A copy of the driver’s license.
    • A detailed estimate of the repairs required.
    • In cases of physical injuries, medical receipts will be requested.
    • The original record of all other expenses that occurred due to the accident.
     

    Why Should You Invest in a Car Insurance Policy?

    A car insurance policy provides a safety net for the policy holder and the vehicle they own. It also safeguards beneficiaries from sudden heavy expenditures that may impact their lifestyle. If an accident occurs, the policy holder must remain calm to check the damages and accordingly initiate the claims process properly.

     

    Being insured with Shriram General Insurance, you can drive your dream car with peace of mind. With a 24/7 claim notification service, our representatives are fully attentive and will provide assistance in real-time. All queries put forward by the policy holder will also be answered in due time. So, buy or renew a Shriram Car Insurance online now.

     

    Key Highlights:

    • Car insurance will cover the damages caused by accidents and can safeguard the policy holder from sudden expenses.
    • The policy holder can contact their insurance company for roadside assistance in the case of an accident.
    • The insurance company will handle the communication with other insurers to determine who needs to pay the damages after an accident.
    • The car insurance coverage depends on the type of policy the individual has purchased.
     

    FAQs

    1. What should I do if someone hits my parked car?

    If someone hits your parked car, the first thing to be done is to document the incident with pictures and videos. The next step would be to get the police and the insurance company involved to resolve the issue. If all goes well in your favour, damages will be paid by the other person’s insurer.

     
    1. What is the punishment for ramming someone with a car in India?

    Ramming a person with a car is a non-bailable offence in India. An individual can be convicted for lifetime imprisonment.

     
    1. Is a car accident a criminal offence in India?

    Yes, a car accident is a criminal offence in India and the involved party will be subject to charges in case of injury or death.

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