Yesterday, I met a friend whose bike was hit by a car badly, and then the car person flew away from that place and no one can catch them. I will tell you the procedure and the Insurance which help them to get 100% of the damage claim from Insurance companies.
Step 1: If your vehicle met with an accident your first responsibility is to inform the Insurance company Immediately from where you get vehicle Insurance, In my case, Tata AiG is there so instantly I dial the Tata AiG Customer support number and choose the appropriate options to talk to their customer support representative
what customer support will ask you:
a. Where is your vehicle parked
b. Who is driving your vehicle (Self/Others)
c. Vehicle owner name and Engine Number
d. How the accident happened (In my case I told them my bike was parked and it is hit by a car.
e. They will ask You if have you seen the Car number plate (In my case NO)
f. Area and Location of Accident
g. Pin code of the area where the accident happened.
h. where do you want to repair your vehicle (In my case it is the Bike showroom itself If you have any better place which seems to be authorized you can tell that place name to them)
i. After that they will give you the claim number, please note down the claim number in 24–48 hours surveyor will visit your place (In my case it is Bike Showroom) and approve the damage caused by an accident.
j. Take proper photos and videos of your vehicle and location as proof after getting the claim number.
k. Don’t repair anything in your vehicle until the surveyor approves your claim.
m. Slowly drive your vehicle and reach the surveyor’s place (In my case bike showroom); If the accident happened at night you can drive your vehicle to any nearest place
n. Please keep documents like Vehicle RC, Driving License, and One address and Identity Proof required at the time of claim.
Step 2: You will get a message from the Insurance companies regarding surveyor details so call them for an appointment (In my case I took my bike to the showroom where they are present and they give you the claim form which is very easy to fill.
a. Fill out your form In short, write a description of how the accident happened with all your supporting documents and submit it to the surveyor.
b. They will analyze your accident and write down all the part which is to be claimed according to the insurance policy and tell you to verify the same and check if anything is missing.
In My case, the parts are Headlight, silencer, mudguard, leg-guard, etc.
c. Total cost for this accident is around 22–25K, they approve my claim instantly.
Step 3: The most important part is, what type of Insurance you have. If you have ND cover (Nil Depreciation) cover which in my case is available, then the Insurance company will give you 100% of the claim if not then they will only give you 50% of the claim and the rest 50% is your expenses.
So, If you are taking vehicle Insurance then always think of ND cover, it will add a lot by paying a penny to your claim.
Step 4: The showroom people will keep your vehicle and give you the time after which you can collect your vehicle.
Some Extra charges you have to pay which is not covered by your Insurance:
- Form Charges: 300–350 (It is Documentation charges of your claim)
- Oil Charges: 200–300
- Any other accessories charges (Like nut bolts etc.)
Step 5: My Experience with Tata AiG General Insurance is very smooth and clear, My claim was settled in hardly 5 min and my friend is very happy too for the services Tata AiG provided.