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ImageYou could also do your best to get as many details of the accident as possible like taking pictures of your damaged vehicles and any injuries sustained. You could also get in touch with the witnesses to the accident who could be a big plus later on to help prove your insurance claim.

Fill up the claim form with all facts mentioning the claim amount you believe your claim is worth.

Support your claim with all related documents including your medical bills if any, the first information report (FIR), if any, in case of accident involving third party injury or damage and the original estimate of repairs obtained from the workshop. This will put you in an advantageous position in case there is an impasse on the claims amount settlement.

The estimation process: Know your rights

After you have submitted your claim and before a claims adjuster or a surveyor from the insurance company who deals exclusively with claims contacts you regarding your claim, the insurance company will look into your policy details to know the extent of its coverage, the deductibles if any and also the coverage limits that may affect your claim.

That is whether your car accident policy is the Motor Policy A - Act Only Risk which is also known as third party risk or the more sensible Motor Policy B which is otherwise known as comprehensive insurance policy. It is always a sensible option to go for a comprehensive insurance policy for your car.

Physical assessment

After this initial check on your car policy coverage and depending on the claim amount, the adjuster/surveyor will physically visit the site or visit the accident site, talk to witnesses or refer to the police complaint if any to decide on the claim amount.