Car Insurance Claim: Whom To Call When Someone Hits Your Vehicle?

A car insurance policy can protect the policy holder against unanticipated costs and will pay for any insured damages caused by an accident. However, the sort of policy the customer has selected will determine the extent of the auto insurance coverage

A car accident can be an unnerving incident that may overwhelm you. At the moment, it will be difficult to remember what happened and what you need to do next. If someone’s vehicle hits your car, you will also be confused about which car insurance company to contact. In such a situation, it is always beneficial to remain calm and ensure the insurance details, car registration, and other necessary documents are in order.

 

Shriram Car Insurance policy ensures that a policy holder has all-round coverage for their vehicle. If any risk is not covered under the insurance, individuals can always purchase it as an add-on for their safety. Get a significant no-claim bonus even if your car was previously insured with other car insurance provider but is now renewed with us.

 

Let’s go through the steps that need to be taken if an accident occurs, causing damage to your vehicle.

 

What Happens During Parked Car Accidents?

Most parked car accidents happen when a moving car hits a stationary one. This may occur in several situations, including lane changes, parallel parking, and driver error. Distracted driving, careless manoeuvres, and low visibility are common causes. As a result, the parked car may sustain damage, and the owner may face repair costs, insurance claims, or legal disputes. No car owner wants to be on the wrong end of a parked car accident.

 

What to do if Someone Hits your Car?

The first thing a person can do if an accident occurs is to try to calm themselves. After that, they can check themselves and the people with them for injuries. Emergency services must be contacted immediately if any party is in distress. Here are the steps that an individual need to keep in mind after an accident has occurred:

• Call the police and file a report of the incident.
• Exchange information with the other party involved in the accident.
• Make a record of the damage caused through photos and videos.
• Document the contact information of any witnesses who saw the accident as it occurred.
• Contact your car insurance company and inform them that your car was just hit by another vehicle.

 

Which Party’s Insurance Company Should You Call?

If you’re in an accident, no matter who is at fault, you should contact your insurance company right away. Sometimes, insurance companies find it hard to decide who caused the accident. Thus, to make things easier, each driver’s insurance will pay for their own losses, no matter who is responsible. This is known as a "knock for knock" agreement in Car Insurance.

 

How to Get Insurance for Your Parked Car?

Here are the steps to get Shriram Car Insurance for your parked car online.

Step 1: Head to the Shriram General Insurance website/app and head to the Car Insurance section.

 

Step 2: Submit the requested details and required documents, like your vehicle’s registration certificate, car make and model, and any other details.

 

Step 3: Choose the necessary coverage and make an online payment for the same to receive your Car Insurance Policy.

 

How to Make a Claim After a Car Accident?

The insurance company may ask the policy holder to furnish certain documents to help them verify and validate the claim. A claim form will be provided for the policy holder to fill in after which they will be required to submit all necessary documents.

 

Here is a list of documents that most insurance companies ask for:

• A copy of the insurance policy registered with them.
• First Information Report (FIR) filed with the police.
• Claim form that should be duly filled and signed by the policy holder.
• A copy of the registration of the car.
• A copy of the driver’s license.
• A detailed estimate of the repairs required.
• In cases of physical injuries, medical receipts will be requested.
• The original record of all other expenses that occurred due to the accident.

 

Why Should You Invest in a Car Insurance Policy?

A car insurance policy provides a safety net for the policy holder and the vehicle they own. It also safeguards beneficiaries from sudden heavy expenditures that may impact their lifestyle. If an accident occurs, the policy holder must remain calm to check the damages and accordingly initiate the claims process properly.

 

Being insured with Shriram General Insurance, you can drive your dream car with peace of mind. With a 24/7 claim notification service, our representatives are fully attentive and will provide assistance in real-time. All queries put forward by the policy holder will also be answered in due time. So, buy or renew a Shriram Car Insurance online now.

 

Key Highlights:

• Car insurance will cover the damages caused by accidents and can safeguard the policy holder from sudden expenses.
• The policy holder can contact their insurance company for roadside assistance in the case of an accident.
• The insurance company will handle the communication with other insurers to determine who needs to pay the damages after an accident.
• The car insurance coverage depends on the type of policy the individual has purchased.

 

FAQs

1. What should I do if someone hits my parked car?

If someone hits your parked car, the first thing to be done is to document the incident with pictures and videos. The next step would be to get the police and the insurance company involved to resolve the issue. If all goes well in your favour, damages will be paid to you

 

2. What is the punishment for ramming someone with a car in India?

Ramming a person with a car is a non-bailable offence in India. An individual can be convicted upto up to 5 years and may be extended up 10 years in certain cases as per haratiya Nyaya Sanhita (BNS) 2023.

 

3. Is a car accident a criminal offence in India?

Yes, a car accident is a criminal offence in India and the involved party will be subject to charges in case of injury or death.