10 Steps to Follow After a Car Accident In India

None of us would ever want a mishap to happen with us or our car while driving on the roads of India. However, with increasing traffic and traffic rules violations, incidents like road accidents have increased in number. Are you worried about what should be done when your car suffers from an unfortunate accident? Read below to know about things that you should do after a car accident in India.

Read more

Get Car Insurance starting at only ₹2094/year*
Renew in 2 minutes
Chose from 20+ insurers
51 lakh+ Cars insured
Other options

10 Things You Should Do After a Car Accident in India

According to a report by World Bank, "There are 53 road accidents every hour and 1 death every four minutes in India". Car accidents are quite common due to the poor condition of roads and transport infrastructure in the country. These stats also highlight the importance of having a car insurance policy for your car.

Moreover, it also becomes imperative for us to have proper knowledge of the things to do after a car accident. Here is a list of 10 steps that you can follow after a car accident in India:

1. Stop the Car

When you are involved in a car accident, you must first stop at the scene as this is a legal obligation to follow. Even if the accident is a minor one, do not run away from the accident spot as doing so may lead to legal proceedings against you. Moreover, try to remain as calm as possible and avoid any irrational argument with the other driver.

2. Look Out for Any Injury

The next thing that you need to do is to check whether anyone is seriously injured in the accident. Make sure to first examine yourself for any injury and look out for others. Assess the level of injury of the people who were involved in the accident. Also, assess whether any third party has sustained an injury so that you can claim the payable compensation amount under third party car insurance.

3. Get Medical Help

In case of minor injuries, you can provide first aid to the injured as soon as possible. Your car comes with a basic first aid kit that you can use for minor injuries. If anyone is seriously injured or non-responsive, call up an ambulance immediately. Make sure to look after your body as well and seek medical advice if necessary.

4. Intimate Your Insurance Company

After you have taken care of the injured, it's time to intimate your insurance company about the accident. Immediately call the insurance company whose car insurance policy you have purchased and inform them about the accident so that a claim can be registered at the earliest. Give them detailed information about the own damages sustained by your car as well as third party damages if any. Make sure to give every single piece of information honestly as giving any wrong information may lead to claim rejection.

You May Also Read: Car Insurance Claim Process

5. File a Police FIR

To avoid any legal complications, inform the police about the car accident as soon as possible. You will be also required to file a First Information Report (FIR) in case of a third party car insurance claim settlement process. Also, make sure to keep a copy of the Police FIR that you can submit to the insurance company during the car insurance claim process.

6. Take Pictures

Take photos of the damages caused at the place of the accident for the insurance company to get a clearer picture. Click pictures of the damages sustained by the insured car, third party property damages as well as the accident spot. Make sure that the photos are clear and have been taken from all angles so that the damages are clearly visible in the pictures. Doing so ensures that the claim is settled without much hassle.

7. Submit Documents

Once you have reported the incident, you will be required to submit a few documents to file a claim under your car accident policy. The documents that are required in case of a car accident are:

  • A copy of the valid driving license
  • A copy of the Police FIR
  • Copy of car registration certificate (RC)
  • Copy of car insurance papers
  • Repair estimates

Make sure to keep all these documents handy and submit them when required for a faster car insurance claim settlement.

8. Get Your Car Repaired

Before proceeding with the actual repairs, the insurance company may send a surveyor who will estimate the extent of repairs required by the insured car. After this, you can get your car repaired in the authorized network garage of the insurance company. The towing facility for the damaged car will be provided by the insurance company itself. You can also get your car repaired at a non-authorized garage and raise a reimbursement claim with your insurer.

9. Car Insurance Claim Settlement

Once the repairs of your car are complete, your insurance company will settle the insurance claim with the network garage in case of a cashless claim settlement process. If you have got your car repaired in a non-network garage, the insurance company will reimburse you the entire claim amount after the repairs are done. However, make sure to keep all the repair bills and payment receipts with you for an easy claim reimbursement process.

10. Be Prepared for Any Adversity on Road

A road accident can come unannounced and therefore, it is always better to be prepared for any adversity while driving. Make sure to follow all the traffic rules properly, adhere to the speed limit, and not drink & drive as most road accidents happen due to these reasons only. Moreover, keep copies of all the necessary documents like your motor insurance papers, driving license, registration certificate, etc. with you whenever you are driving on the road.

Wrapping Up!

Car accidents can be distressing but if you know how to deal with them, you can save yourself from heavy repair expenditure. But that’s only possible if you insure your vehicle with a car insurance policy. Although purchasing at least a third party car insurance policy is mandatory, you can opt for a comprehensive policy to cover your car as well as third party liabilities in case of a car accident. If you are looking for an affordable motor insurance policy, you can compare different plans and buy it from insurance broker websites like Policybazaar.com. 

Written By: PolicyBazaar - Updated: 01 April 2022
You May Also Like
  • Transferring Car Insurance from One Person to Another
    Transferring Car Insurance from One Person to Another

    Transferring Car Insurance from One Person to Another An integral part of selling a car, for both the buyer and the seller, is ensuring a successful car insurance transfer to the new owner. But sadly, most people have...

    read more
  • 9 Secrets That Your Motor Insurance Provider Won’t Tell You
    9 Secrets That Your Motor Insurance Provider Won’t Tell You

    9 Secrets That Your Motor Insurance Provider Won’t Tell You Due to the dangerous driving conditions, it is compulsory to have third party insurance for every vehicle plying on Indian roads. It ensures the overall saf...

    read more
  • Money Saving Advice for All Car Owners
    Money Saving Advice for All Car Owners

    Money Saving Advice for All Car Owners After a dream home, a dream car is your second-largest purchase that you make in your lifetime. But the expense does not cease when you drive off the car dealer's lot. Read mor...

    read more
  • Difference Between Comprehensive Insurance and Third Party Insurance
    Difference Between Comprehensive Insurance and Third Party Insurance

    Difference Between Comprehensive Insurance and Third Party Insurance Comprehensive insurance is insurance coverage that pays for the repair or replacement of vehicle damages resulting from an incident. Comprehensive ca...

    read more
  • Types of Motor Insurance
    Types of Motor Insurance

    Types of Motor Insurance The word Motor broadly covers a lot of classes of vehicles plying on the roads. These may be two-wheelers like scooters and motorbikes, three-wheelers or four wheelers like private cars, jeeps, ...

    read more

Find similar car insurance quotes by body type

Hatchback Sedan SUV MUV
Car insurance save up to 85
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Calculate your car IDV
IDV of your vehicle
Calculate IDV
Calculate Again

Note: This is your car’s recommended IDV as per IRDAI’s depreciation guidelines.asdfsad However, insurance companies allow you to modify this IDV within a certain range (this range varies from insurer to insurer). Higher the IDV, higher the premium you pay.

Policybazaar lets you compare premium prices from 20+ Insurers!
Compare Prices

Why buy from Policybazaar?

  • 24x7 Claims Assistance
  • Cashless Assurance
  • 3-Day Repair Assurance
  • Free Pickup & Drop
  • Self Video Claims
  • Windshield Claims At Home
View Plans

Car insurance articles

Recent Articles
Popular Articles
Know All About Pay As You Drive and How You Drive Insurance

21 Sep 2022

Are you also worried about high motor insurance premium rates?...
Read more
Renew Your Car Insurance Policy with the AI-Based Technology

12 Sep 2022

As per the Motor Vehicle Act, 1988, every car owner must possess...
Read more
Why Should You Choose a New India Car Insurance Policy?

24 Aug 2022

Buying a car insurance policy is one of the best ways to protect...
Read more
How to Save Tax on Electric Vehicles (EVs)?

23 Aug 2022

Electric cars are known as the future of the automotive industry....
Read more
How Can Modifications Affect Your New India Car Insurance?

05 Aug 2022

In India, car enthusiasts love to modify their cars with...
Read more
Multiple Ways To Check Your Car Insurance Status Online
All insurance companies in India now have a digital presence. It not only makes it easier to buy insurance online...
Read more
Getting Your Duplicate Car Insurance Policy is Easy-Here’s How!
Losing important documents, such as your car insurance documents, can be daunting. In such a state of affairs, the...
Read more
Check Car Insurance Status Online on Parivahan Sewa/ RTO?
In India, buying car insurance is a compulsion for every car owner. It doesn’t matter if you are an excellent...
Read more
Car Depreciation Calculator
If you are looking to purchase a new car or planning to sell your existing one, it is important to know how...
Read more
Transferring Car Insurance from One Person to Another
An integral part of selling a car, for both the buyer and the seller, is ensuring a successful car insurance...
Read more