According to Indian law, you are required to have automobile insurance coverage that covers third-party liability. However, one must be familiar with the proper procedures for filing claims to get the most out of one’s car insurance online policy. People tend to become excited and make their claims in a hurry, leading to them making mistakes while filing a claim for vehicle insurance.

To serve as a guide, the following is a list of things you need to verify to avoid having your claim rejected:

  1. Choose your insurance provider with caution –

How to claim car insurance?

Always make sure that you verify the claim settlement ratio of your insurer before purchasing a policy from them. This should be done before you acquire any insurance. Always look for an auto insurance provider offering high claim settlement percentages and a speedy settlement process.


This is something you should always look for. Claim denial is a potential outcome of failing to comply with these requirements. As a result, purchasing car insurance coverage should only be done by carefully evaluating every relevant factor.

  1. Do not drink and drive –

It is against the law to drive after drinking, and doing so may result in the denial of a claim. It is ideal not to get behind the wheel when under the influence of any narcotic.

  1. Continue being where you are –

People also make the mistake of fleeing the scene of an accident, which is another poor decision. Because doing so could give the impression that you are trying to cover something up, you are not permitted to remove any of the vehicles involved in the accident from the site. The most prudent thing for you to do would be to hurry to the police station closest to you and make a report on the incident (if needed).

  1. Take care of all the necessary formalities on time –

Pay attention to all the post-accidental paperwork and even the time constraints by which the claims must be filled out. This may result in the rejection of the claim. Gather all required papers and submit a compelling claim in the correct format.

  1. Remain calm –

Under these conditions, the last thing you should do is freak out; if you do, you’ll end up making mistakes while trying to file your insurance claim and not utilizing what is covered in car insurance. Staying calm and stress-free will allow your mind to operate at its peak performance. Keeping your mind at ease will allow you to make more informed choices.

  1. Immediately give the cops a call –

There are situations when the other side may desire a mutual settlement rather than involving the authorities in the conflict. However, remember that you should never act in such a manner. Always keep in touch with the rules. It is against the law for you not to do so.

Submitting a claim may be time-consuming, but if you do it carefully while keeping all the considerations mentioned above in mind, it won’t appear as challenging. After your claim has been processed and approved, you can take advantage of the compensation awarded. After all, individuals purchase car insurance online policies to receive the payout when they claim the policy.

* Standard T&C Apply

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.