Ideally, you never want to make a car insurance claim. However, if you do face an unfortunate event wherein making a claim becomes necessary, you want to ensure you get things right and make full use of your insurance policy. Keeping this in mind, the following article will highlight 5 tips that will help you with a successful and smooth claims process.

1. Always keep your policy& other documents valid and up-to-date.

Making a successful claim begins with ensuring your policy is valid and all your documents are in order. Without valid insurance, your chances of making a successful claim are very slim. Also, make sure all your paperwork is in order, your license is valid and your policy document is safely stored and easily accessible.

2. Have your car insurance provider explain the claim process.

When you buy the policy, you should have the sales executive take you through the claim process of different scenarios. The procedure might vary slightly in different cases such as theft, natural calamity, etc. Make sure he provides you with the dedicated claim helpline so you know who to call when an accident does occur.

3. Decide if you absolutely have to make the claim.

Driving in Indian metro cities exposes you to risk of everyday fender-benders. In such cases, it could be wise to skip on making a claim. You could end-up losing your NCB discount which would prove more costly than repairing the damages on your own. If possible, try and compromise with the other driver and reach a settlement. If a third party is at fault, it makes sense to claim insurance on their liability cover, this will ensure any NCBs you have stay intact as you would be making a claim on third party car insurance policy.

4. Keep calm.

In case of a major incident wherein making a claim seems necessary, remember to keep calm in the situation. Losing your temperament could cloud your judgment and cause you to make poor decisions. So, take a deep breath, try and take photos of the accident scene and find any witnesses. Ensure the police arrive at the spot and carry out their formalities. If they require you to file an FIR, accompany them to the police station and give them a detailed account of the accident.

5. Inform your insurer.

The next step would be to inform your insurer and then have your car towed to one of their nearest network garages. This will ensure you have a higher chance of getting a cashless repairs experience. When the assessor arrives and questions you about the incident, remember to be as transparent as possible. Enquire about the amount you have to pay and then follow-up with them periodically to ensure speedy procedures.

We hope these 5 tips will help you make a successful car insurance claim. If you want any more information about making a claim, feel free to ring-up your insurance provider to get your queries answered. Good luck and drive safe!