Making insurance claims for auto damage without filing a formal complaint can be challenging, though it is permissible in some cases. While car insurance policies are often flexible, understanding the procedures and requirements is essential for successfully filing a claim.
Situations Where An FIR Is Not Needed Before A Car Insurance Claim
Not every situation necessitates filing a Form FIR to handle auto insurance claims. The following are a few scenarios where you can move forward without one:
Minor Mishaps
An FIR may not be necessary for minor collisions involving only minimal damage to the insured vehicle and no injuries or involvement of other parties. In such cases, you can directly submit your claim to the insurance company.
Damages Related to Natural Disasters
You no longer need to register FIR if your car sustains harm from an earthquake, storm, or flood. These are uncontrollable situations, and submitting an FIR for car insurance claims is not required.
Vandalism or Malicious Behaviour
Although these situations are regrettable, many insurance companies may accept claims for losses caused by vandalism or other malicious actions without requiring a formal complaint if no third party is involved. Understanding FIRs and their implications for car insurance is crucial to recognise their importance and necessity in certain situations.
Personal Injury Allegations
An FIR is typically not required for claims that are limited to damages to your car and do not involve any third parties. You may move forward by sending your insurance company the necessary claim form and accompanying documentation.
If you wish to make an insurance claim for any of these situations that do not require an FIR, you can use your insurance company’s customer care hotline, website, or app to notify them of the occurrence as soon as possible. Take pictures of the damage from different perspectives for documentation purposes.
Fill out the claim form your insurer sent you, including as much information as possible about the occurrence, your insurance, and the description of the damages. Include this form in your submission with any necessary documentation, such as your driver's license, policy paperwork, and car registration. If you utilise a network garage, the insurer will handle repairs personally. Depending on your preferred repair choice, your insurer will either pay the bills directly or refund you.
Conclusion
Although there could be additional requirements, you can submit an insurance claim without filing an FIR. Your insurer can assist you by informing you about the ideal claim procedure and support for fast resolution.
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