Accident Claim

Claims against you

In case of any allegation pertaining to your fault in an accident, immediately contact your insurance agent or claim representative. The allegations will be verified and investigated. The insurance company subject to the terms and conditions of the policy,will reimburse those claims that you are legally liable to honor.

After the intimation of the auto accident claim process to the insurance company the company deputes a surveyor to assess the loss to the person and property. The intimation given to the insurance company can be verbal on the telephone and in some cases they ask to fill an claim intimation form before deputing the surveyor. The insurance company executives most usually ask the place where the automobile can be surveyed.

Types of claims and final settlement

• If you have taken a cashless insurance policy then in that case you don’t have to pay anything upfront to the car repair workshop and all the bills will be settled by the insurance company without you facing any hassles. Though you will be expected to pay the processing charges and the depreciation amount accrued on your vehicle. The amount of depreciation varies from vehicle to vehicle and depends how old the vehicle is.
• If you have not gone for a cashless insurance policy then all the bills have to be paid by you to the car repair workshops and later on subsequent to the submission of bills etc the insurance company will issue you a cheque settling all your dues. This is a bit lengthy process and needs a lot of follow up at the insurance company’s end by you. So it’s better to go for the cashless insurance policy option.

Try to assess the loss yourself before you go for the claim because the next year the insurance company will deduct a no-claim bonus which is usually 20% of the premium from the insured value of your vehicle. And if you think the claim is a minor one and spending from your own pocket will be more beneficial than you can also go for that option as in that case you will save the depreciation amount, processing charges and the no claim bonus that will not be given to you once you have taken the claim.

Contact our lawyers

All of our injury attorneys work on a contingency fee basis and all are experienced qualified attorneys with a record of successful verdicts and settlements. Each of our personal injury attorneys exclusively represents plaintiffs like you and most have a minimum of ten to fifteen years of experience litigating personal injury claims.

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