Being in a car accident can be a harrowing experience, especially when you’re not at fault. Here’s a guide on what to do immediately after such an incident:
Stay Calm And Ensure Safety:
Maintaining composure is crucial. Check for injuries and call an ambulance if needed. If significant damage occurs, involve the police. Prioritise safety for everyone involved.
Document The Scene:
Capture images and videos of both vehicles. Exchange insurance information with the other driver and, if possible, gather details from witnesses. This documentation becomes valuable later.
Notify Your Insurance Company:
Report the incident promptly to your insurance provider. Share photos and your event account. Your insurer may provide support even if the at-fault driver’s insurance rejects your claim.
Handling Post-Accident Frustrations:
Being in a not-at-fault accident can be frustrating, but it’s essential to handle the situation with composure:
1. Report To Your Insurance:
Swiftly report the accident to your insurance company, ideally within 24 hours. Timely reporting is crucial, as the at-fault driver’s insurance may incorrectly attribute fault to you.
2. Gather Information:
Collect details such as the other driver’s name, address, and license plate number. Take photos of the damage and note contact information for any witnesses.
3. Consider Legal Action:
Legal action might be necessary for severe accidents with substantial damage if the at-fault driver’s insurance denies your claim. Consult with a competent attorney to explore your options.
Understanding The Necessity Of Car Insurance:
Car insurance is not just a legal requirement; it offers several crucial benefits for car owners:
Reduces Liability:
In an accident, you may be held liable for damage or injuries. Car insurance, especially third-party insurance coverage, mitigates legal repercussions and covers medical costs. Claims are subject to terms and conditions set forth under the motor insurance policy. *
Repairs Damages:
Car accidents often result in damage. Your online car insurance can cover repair costs, regardless of fault. If the at-fault party evades responsibility, filing a claim against your policy becomes essential.
Personal Accident Coverage:
Car insurance provides personal accident coverage, compensating for severe injuries, disabilities, or demise resulting from an accident. This coverage ensures financial support for the insured or their nominees. Claims are subject to terms and conditions set forth under the motor insurance policy. *
Enhanced Protection with Add-Ons:
Add-ons to comprehensive car insurance or own damage cover personalise your policy, offering additional coverage. Popular additions, such as emergency assistance coverage, provide roadside support and save money over time. ## *
Online Policies for Cost Savings:
Purchasing car insurance online offers convenience and cost savings. Online policies are generally more affordable than offline options. Take advantage of the simplicity and budget-friendly nature of online insurance plans. ##
While being in a not-at-fault accident can be frustrating, maintaining composure and following a systematic approach is crucial. Report the incident promptly to your insurance, gather necessary information, and consider legal action. Car insurance fulfils legal obligations and provides financial protection and support in challenging situations. Consider the car insurance benefits, including reduced liability, coverage for damages, personal accident protection, and the flexibility of add-ons. Opting for online policies can further streamline the process and save on premiums, making car insurance a valuable investment for every car owner. ##
*Standard T&C Apply
##All savings are provided by the insurer as per the IRDAI-approved insurance plan.
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.
