Handling a friend’s car accident involves navigating challenging steps and insurance procedures. This guide provides insights, from immediate support to understanding insurance complexities, to help your friend through this challenging situation.
Damage Reduction
If your friend or others are hurt, the first reasonable thing to do is to get them to the network hospital. Here, getting medical attention comes first. Make every effort to ensure the safety of your friends and others. Call your friend’s family; they can tell you more about their health insurance. It can cover the cost of medical care.
What Should Be Done At The Scene Of The Accident?
Avoid driving the damaged vehicle. Call your insurance company to arrange a tow to the nearest network garage. Document the accident scene with photos or videos and note essential information. Submit a First Information Report (FIR) to the police for the claims procedure.
Friend-Related Information
What matters most is who was operating the vehicle. What is your friend’s age? Is your friend’s driver’s licence currently valid? Were they intoxicated when the incident occurred? Both the police and the insurer will question you on these matters. Furthermore, if your friend was drunk, had no valid licence, or was not covered by car insurance, you cannot claim insurance.
Kind Of Car Insurance
Check the policy if you need to become more familiar with your car’s insurance. If the policy is a basic online third-party car insurance, you can assist the injured parties with medical costs. In addition, others may be compensated for property damage by this insurance. However, remember that this kind of insurance will not be beneficial if you wish to have your car repaired. You are going to have to cover that on your own. On the other hand, your insurer will assist you in paying for all of these costs if you have comprehensive coverage.
Repairs
Wait to have your car fixed until your insurer has examined the damage. If you get your vehicle repaired before your insurer can provide you with an estimate, your claim will be denied. Bring your vehicle to your preferred network garage for reimbursement claims or a network garage for cashless claims. Network garages are part of the network of garages run by your insurance company. Claims are subject to terms and conditions set forth under the motor insurance policy.
Declare
You may submit a claim under your car insurance policy if the conditions are met. With the aid of the internet, filing a claim against your car insurance policy is now simple. After submitting the necessary paperwork, let your insurer investigate the situation. If they deem everything to be in order, your claim is resolved.
Following the steps outlined, you can help alleviate some of the burdens associated with a car accident, allowing your friend to focus on recovery and resolution. When considering different insurance plans, leverage a car insurance premium calculator to assess and compare potential costs before making an informed decision. Make sure to carry out the process of car insurance renewal on time. Claims are subject to terms and conditions set forth under the motor insurance policy.
Standard T&C Apply
Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making any related decisions.
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.