Friends can make mistakes, even causing a car crash. Instead of getting upset, prioritize damage control. Attend to any injuries first, then contact your insurance company if your car is damaged. Knowing what to do and not to do in accidents is crucial for minimizing risks.
Damage Control
If your friend or others are hurt, the first reasonable thing to do is to get them to the network hospital. Here, getting medical attention comes first. Make every effort to ensure the safety of your friends and others. Call your friend’s family; they can tell you more about their health insurance. It can cover the cost of medical care.
What Should Be Done At The Scene Of The Accident?
Avoid driving the damaged vehicle. Call your insurance company for towing arrangements to the nearest network garage. Document the accident scene with photos or videos and note essential information. Submit a First Information Report (FIR) to the police for the claims procedure.
Friend-Related Information
What matters most is who was operating the vehicle. What is your friend’s age? Is your friend’s driver’s licence currently valid? Was they intoxicated when the incident occurred? Both the police and the insurer will question you on these matters. Furthermore, if your friend was drunk, had no valid licence, or was not covered by car insurance online, you cannot claim insurance.
Kind Of Car Insurance
If you need to become more familiar with your car’s insurance, check the policy. If the policy is a basic Third-Party Liability Insurance, you may be able to assist the injured parties with their medical costs. In addition, others may be compensated for property damage by this insurance. However, remember that if you wish to have your car repaired, this kind of car insurance online will not be beneficial. You are going to have to cover that on your own. On the other hand, your insurer will assist you in paying for all of these costs if you have comprehensive coverage. Make sure you renew car insurance policy on time. Claims are subject to terms and conditions set forth under the motor insurance policy.*
Repairs
Wait to have your car fixed until your insurer has examined the damage. If you get your car fixed before your insurer can provide you with an estimate, your claim will be denied. Bring your car to your preferred network garage for reimbursement claims or to a network garage for cashless claims.
Claim
If the conditions above are met, you may initiate the car insurance claim procedure under your car insurance policy. With the aid of the internet, filing a claim against your car insurance policy is now simple. After presenting the necessary paperwork, let your insurer investigate the situation. If they deem everything to be in order, your claim is resolved. Claims are subject to terms and conditions set forth under the motor insurance policy.
Indeed, friends can be troublesome at times, but isn’t that the whole point of friendship? Errors occur, but you can act professionally and use this car crash to strengthen your relationship rather than create a painful memory. Because another friend, the insurer, will handle the rest.
* 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.