Your Roadmap to Claim Success: Dos and Don’ts for Motor Accident Claim

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Owning a car is a dream of many. And while buying a car, we prefer to buy not only the best brand but also the best features. But when we put so much effort into buying a car, then why should we not make some efforts to protect it? Investing in motor accident insurance not only protects your dream car but also offers you financial stability and protection against any road accident. We have some tips to help make your claim process easy and hassle-free.


Understanding the Basics

Before diving into the do’s and don’ts, Knowing how to make a motor accident claim request is essential. If you are ever caught in an accident, you must request compensation from your insurance company for damages or injuries sustained. This claim can cover vehicle repairs, medical expenses, and other related costs. Let us look at some DOs that one must do to have a smooth claim process

The Dos.

1. Report the Incident Immediately

Time is paramount in the claims process. A timely report is crucial for a successful claim. Report the accident to the police and your insurance provider as soon as you meet with an accident. Also, describe the incident in detail. 

2. Gather Evidence

Collect as much evidence as you can from the accident location. Try clicking pictures and gather other evidence that may play an essential role in the success of the claim process. The Evidence may include photos of the vehicles, the surrounding area, any visible injuries, and the contact information of witnesses. Such evidence can strengthen your claim.

3. Seek Medical Attention

Even if you feel fine, it’s essential to get a medical examination immediately after the accident. And keep the medical records and documents for further use.

4. Be Honest and Detailed

When reporting the accident, provide accurate and detailed information. Stating false information may lead to the rejection of your claim. So, always try to communicate genuine information while requesting a claim approval. 

5. Understand Your Policy

One important aspect of the claim process is being aware of your policy. Familiarise yourself with your insurance policy’s details, including coverage limits and the process for filing a claim. Knowing what your policy covers can help you set realistic expectations.

6. Keep Records

One must maintain a file of all documents related to your claim, including medical bills, repair estimates, correspondence with your insurance company, and any legal paperwork. You never know when you are asked to submit the documents. 

7. Seek Legal Advice

If you’re unsure about any aspect of the claim process or get stuck, then it is advisable to take professional advice. Platforms like Insurance Samadhan offer resolutions that help to articulate the process.  

The Don’ts

Understanding what to avoid helps streamline the claim process. Let’s take a look at the DON’Ts.

1. Don’t Admit Fault

One must keep in mind not to admit fault at the accident scene or during conversations with your insurance company. The insurance company might use fault excuses to deny your road accident insurance claim, so never admit to mistakes you didn’t make.

2. Don’t Ignore Time Limits

Insurance policies usually have deadlines. There is a specific time period within which one must file the complaint and report the accident. Ignoring these deadlines can lead to the rejection of the claim. 

3. Don’t Accept the First Offer

Insurance companies often start with a low settlement offer. Don’t accept it until it fully covers your damages and expenses. Also, if you feel uncomfortable while negotiating, you can get help from professionals like Insurance Samadhan, who will guide you in receiving fair compensation.

4. Don’t Overlook Minor Details

Small details can have a significant impact on your claim. Make sure to report every aspect of the accident and the consequences that you have faced on your health and property. 


The process of a road accident insurance claim journey can be a roller coaster ride. There can be unexpected turns that you might have to face. Following these dos and don’ts can improve your chances of a favorable outcome. Remember, each claim is unique, and the process can be simple or complex accordingly. Staying informed and organized and seeking appropriate assistance can make the process hassle-free and help you get the compensation you deserve.  

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Also Read:  Reviving Up Your Coverage: 6 Benefits of Comprehensive Motor Insurance

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