Everybody has a vehicle these days, and the risk of an accident is very high. Motor insurance companies are expanding every day, and claims are also increasing. Many policyholders don’t know what to do to obtain their Car Insurance Claim Process.
We will be explaining how to claim your car insurance policy. This will be very helpful. Express Auto Insurance offer different coverages and companies for any driver. That’s right, ANY DRIVER within Las Vegas, North Las Vegas, Henderson, Boulder City and all of Nevada.
How to file a claim for your Car Insurance Claim
This will make it very simple for us to understand the steps in a given scenario.
Claim for your own-damage: These steps will help you to file a claim for damages if your car is involved in an accident.
Notify the insurance provider – Before you send your car to the garage, you must first inform the insurer. These forms can be found on the websites of insurance service providers. The policies will contain detailed information about the policy and guidelines that most insurers adhere to.
For your safety, lodge FIR – FIR is required in some cases. It is not mandatory to file an FIR for claims settlements, but it is recommended. It all depends on the situation.
Assess the damage – After you have informed your insurance provider, they will assign a surveyor to assess and evaluate the vehicle’s damage. The surveyor will create a report and send it to the insurance company. A copy of the report will be sent to you. Once that is done, you can take your vehicle to the nearest garage for repairs.
Claim Settlement – Once the survey report is received by the insurance company, they will review the claim request and then send an approval to garage. The garage will need to give an estimate of the cost and the timeline for repairs. For a complete view of the damage to the vehicle and how the repairs are proceeding, the insurer will contact the network garage.
Once the work has been completed, you’ll need to collect the bills and other documents from the garage and send them to the surveyor. Surveyor will forward it to insurance company.
The insurance provider will reimburse you for your expenses if all documents have been completed. You should also keep in mind that your policy will specify the mandatory deductible and variable-deductible components. After your claim is settled and your vehicle is in good condition, you can start driving again.
Third party car insurance claim process:
Here are the steps to take if you are involved in an accident that results in property damage or injuries to a third party.
Notify your insurance provider – It is important that you inform your service provider as soon as possible. Don’t make financial commitments to any third party.
For future reference, lodge FIR – Keep a copy of FIR and lodge FIR at your nearest police station.
Sharing policy document – The third-party should be required to share a copy your car insurance policy in order to make a claim.
Motor Tribunal Claim – Third-party liability claims can be brought at the Motor Accident Claims Tribunal. You or the third party can file a claim at the tribunal nearest to your residence.
After reviewing all documents, the insurer will review them and determine the severity of the accident. If the assessment is satisfactory, they will assign a lawyer to you.
If you are ordered by the court to pay damages to the third person, the insurance company will pay the amount directly to the third party.
It is best to try and resolve the issue without resorting to the tribunal.
Claim for theft: Follow the steps below if your car was stolen.
For future reference, lodge FIR – Keep a copy of FIR and lodge FIR at your nearest police station.
Notify your insurance provider – Send a copy FIR to your service provider as soon as possible.
After you have received the police station’s final report, take a copy and send it to your insurance company. An investigator will be assigned by the insurance company. The investigator will complete the report and send it to the insurance company. Once this is complete, send the RC Book of the stolen vehicle to the insurance company.
Submit duplicate keys to the car as well as a subrogation note. A notarized indemnity must be submitted on a stamped paper.
After all formalities have been completed, the insurance company will pay the claim.
Without knowing the details of how to file a car insurance claim, many people end up paying out of their pockets. The customer service network of all insurance providers is excellent and the teams are skilled and cooperative. You should communicate with your insurer whenever possible.