India me Car insurance claim kaise kare. Accident ke baad kya kare ?

 I wish ki aisa kisi ke sath na ho. But unfortunatly agar aisa hota hai to hame iske liye kaise ready rahna chahiye ayiye dekhte hain. Gadi ka Accident hone ke baad kya karna chahiye. Car Insurance claim kaise karaye. Claim procedure kya hai or insurance kyo jaruri hai.

Car accident insurance claim  ki baat tab aati hai jab kisi ki car kisi aisi ghatna ka shikar ho jaye jisme use ya uske car ko ya kisi or ko kuch chot aaye ya death ( maut ) jaisi anhoni ho jaye.


Motor car insurance claim kyo jaruri hai


India jaisi country me car kharidna har kisi ke liye asan nahi hai. Kuch logo ka to ye sapna pura bhi nahi hota. Lekin agar aapka ye sampna pura ho gya hai ya fortunatly yeh aapke liye koi badi baat nahi hai to bhi aapko yeh janana chahiye ki Iska beema kyo jaruri hai.

Car beema ya insurance ke fayde

1. Damage ya chori ( Jaisa aapka insurance ho )  hone ki condition me aapko iska claim milta hai

2. Accident hone par aapko bhagne ki jarurat nahi. Aap bina dare iski report police me kar sakte hain. Ye tabhi possible hai jab ki aapka insurance paper complete ho.

3. Agar aapki car ka beema kagaj complete nahi hai to traffic challan kat sakta hai.

4. Agar aap apni gadi road par bahut hi savdhani ke sath chla rahe hain or dusra vehicle aapki car ya gadi se takrata hai or kisi prakar ka koi jaan ya maal ka nuksan hota hai. Is condition me agar aapki car ka insurance paper complete nahi hai to aapki galti na hone par bhi aapko iska harjana bharna pad skata hai.

TO agar aapne abhi tak abhi apni gadi ka insurance nahi karwaya hai to yahan click karke karwaye

Reliance general insurance
Birla sunlife insurance
Easy policy


Ye bhi padhe :-

• Life insurance claim kaise kare

• Health insurance claim easily kaise karaye

Motor car Insurance claim kab kiya ja sakta hai. Accident ke baad kya kare.


Accident ke baad aksar log apna aapa kho dete hain. Or jaruri chijo ke upar dhyan dene ki jaga par isme involved dusare log par gussa utarne ya aarop lagane me busy ho jate hain. Or jab car ki dsmage ko recover karne ki baari aati hai to unki jeb se achi khasi amount kharch hoti hai.


Isliye unfortunatly kisi tarah ki durghatna hone ke baad turant in kuch baato ko dhyan me rakhe tabhi aap claim ke liye eligible ( yogy ) honge.

• Sabse pahle koshish kariye ki aisi koi contidion create na ho. Iske liye aap driving ke dauran puri tarah apna attention road par rakhe. Accident ke baad flash light on kar dijiye. Jisase pichhe se aane wali baki gadiyo ko indication mil sake.

• Accident ke turant baad agar koi series injuri nahi huyi hai to police ko call kare or turant iski soochna dijiye.

• Agar apke paas android phone hai to accident place or car ki snap ( photo ) le lijiye. Car ke us portion ki photo puri tarah khiche jahan- jahan main damage hua hai. 

• Police ke aane baad pura incident kayde se bataye or report ka procedure pura kare. Car ka accidental insurance claim lene ke liye police report karana jaruri hai.

• Dhyan dijiye ki aaye huye investigating officer ne accident me involve opposite person ka detail ( naam , address or phone number ) liya hai ya nahi. Agar wo aisa karne me chook karte hain ya bhool jate hain to aapke liye jaruri hai ki aap uski details le lijiye. Ye insurance claim ke liye jaruri hai.

• Ab jitani jaldi ho sake car insurance company ko is accident ki soochna dijiye. Bahut si insurance companies ko aise accident ki information jald se jald dena padta hai.

• Agar aapke insurance medical benefits bhi deti hai to medical bills or reports bhi sambhal ke rakhe or claim karane ke samay ise bhi sath me lagaye.

• Koshish kare ki apne legal adviser ( Vakil ya lawyer) se isase related sari bate bataye. Jisase wo apke rights ka pura khyal rakh sake. Agar apki insurance company aapse kisi tarah ke statement dene ke liye kahte hai to pahle advisor se is baare me puri jankari le lijiye. Isase aapko claim milne me asani bhi hoti hai or kisi tarah ka nuksan bhi nahi hota

• Claim ke liye apne sare jaruri documents ki file ready kare. Accident me involve dono party ke naam ( agar kisi dusari gadi ke sath takkar se hua hai to) sare bill, claim paper or police report.

Motor insurance company claim kaise kare.

Pahle ye dekhiye ki aapne kaun sa insurance kara rakha hai.
Motor insurance do tarah ke hote hain.

1. Comprehensive motor insurance
Me Aapki car chori, damage or kisi person ki death ( mrityu ) jaise nuksan ke liye bharpayi deti hai

2. Third party motor insurance
Me aapki car se accident hone par risk cover milta hai.

Ab sawal utatha hai ki kaun sa auto insurance acha hota hai. Mere khyal me aapko comprehensive motor insurance hi karana chahiye. Isme aapko sabhi tarah ke laabh milate hain. Bas aapko claim sabhi jaruri baato ka dhyan dena pdta hai.

• Accident ke baad ek time period ke andar aapko insurance company ko inform karna hai. Sabhi companies ki policies, terms and contions alag alag hote hain. Jisme limited time period ka sabse main role hota hai. Isliye policy ko ek baar thik se padh lena chahiye. Or diye gaye time ke andar hi action lijiye.

• Apne sabhi documents complete kare. Car insurance claim ke liye ye papers pure hone chahiye.

1. Insurance Policy ka paper
2. First Information Report or Police report
3. Claim Form achi tarah or dhyan se fill kiya gya hua
4. Vehicle Registration ki Copy
5. Driving License ki Copy
6. Repairs me aane wale kharche ka estimate
7. Medical Receipts or reports
8. No trace report ka Original Police Certificate (agar mamala chori ka ho )
9. Signed RTO transfer papers (chori ke mamale me )

Ye bhi jaane:-

• Online traffic challan kaise bhare.

• Driving license online kaise banaye.

• Online F.I.R. kaise registered karaye

Bas aapne ye process complete kar liye to aapki policy ke hisaab se aapko claim easily mil jayega.


Accident ke baad kya nahi karna chahiye.

Accient ke baad aksar log bahut hi jyada aggresive ho jate hain ya to dar jate hain. Jisme wo kuch aisa karte hain ki uska nuksan ko kafee bhari padta hai. Ye kuch chije hain jo aapko kabhi nahi karna chahiye.

• Accident karke hamesha bhagne ke liye taiyar na rahe. Thoda ruk ke dekhe ki accident ka main reason kya hai. Ye dekhiye ki Galti aapki hai ya samne wale ki. Agar aapne car ka insurance kara rakha hai to darne ki bilkul bhi jarurat nahi hai.

• Agar sambe wale person ko jyada chot aayi ho to dare nahi. Uske liye jaldi se ambulance ko call kare or phir police ko. 

• Jabardasti gussa dikhane ke bajaay Accident site par jaruri chijo par dhyan dijiye. Jaise gadi ki damage ki snaps or samne wale person ki details lena.

• Police ke saath co- operate na karna bhi aise me aam baat hai. Aisa na kare or investigating officer ko pura incident achi tarah bataye.

• Beema company ko inform na karna bhi inme se ek hai. Bahit si beema company aisi hain jisme apko spot information dena jaruri hota hai. Jyadatar third party imsurance me aisa hota hai. To aise me aapko is baat ka bhi dhyan rakhna jaruri hota hai.

Accidental claim ke liye khaas dhyan me rakhne wali baate

• Agar aapke claim se aap satisfy nahi hai to aap higher authority meviske liye appeal kar sakte hain.

• Vehicle accident se related case motor car insurance tribunal me file kiye ja sakte hai

• Agar iase kisi accident me aap kisi apne ko kho dete hain to aise me uske agle grahit ko uski actially incom ka 50% compansation milta hai.

• Agar aisa koi incident aapke dwara kisi rental car se ho jata hai to jitani jaldi ho sake car ke malik ko iski soochna dijiye. 

Mahangi car lena sabke liye asaan nahi hai lekin lene ke baad aisi jankari ka hona jarur asan hai. Aapke liye aisi chhoti jankari aapke sapno ki car ko safe rakh sakti hai. To ab car accidental insurance claim ya accidental beema kaise claim karaye is procedure ki jakari aapko ho gayi hai. 

Mai asha karta hu ki aisa kabhi kisi ke sath na ho. Leki agar aapke ath aisa hua hai to is post ko dhyan se ek baar phir padhe. Samjhne ke baad claim file kariye. Agar aapko kisi tarah ki koi problem ho to comment karke puch sate hain.