Car accident - how to proceed
Jaigi
(Querist) 16 September 2012
This query is : Resolved
Hi,
I was involved in an accident in front of Technopark, Trivandrum. My car was turning right to technopark from Tvm-Kollam direction on NH Bye-pass when a speeding motor cycle rammed against my car in the front from the opposite side. It was around 11:00pm and the signal was on Orange. The driver of the vehicle fled the scene. The co-passenger was thrown on to my windscreen and had some injury. He was taken to Medical College Hospital by Ambulance service. I reported the incident to nearby police station. Next day went to the Medical College to get the details of the co-passenger. He was given primary treatment but was not admitted. They have no other information about him other than his name, age and place name.
Please advise me how I can claim insurance without filing a case. My car has significant damage. I have no clue about the other party. I had two other passengers in my car who were witnesses to the accident.
Thanks,
Jaigi
ajay sethi
(Expert) 16 September 2012
has FIR been registered ? lodge claim with insurance company immediatedly give details of FIR lodged with cops . contact your insurance agent . he will help in processing your claim .
Jaigi
(Querist) 16 September 2012
Thanks for your quick response. I had informed the police about the accident and they informed me that a police jeep has been sent to the location. But before that the flying squad came and asked me to move the car out of the accident site. FIR is not registered. When I contacted the insurance adviser at the car dealer he said if I am not going to sue the other party then FIR is not required instead a copy of GD entry is fine. Is this correct? Else, what should I do to register FIR? The police had asked me to track down the other parties involved in the accident when I requested them for further process.
JT Rajasuriya, Chennai
(Expert) 17 September 2012
I don't think FIR is reqd. Just follow instructions from your insurance agent - he'll have the vehicle photographed and the vehicle may be given at any authorised service centre. Based on replacement parts & type amount of insurance will be determined - no need to worry - it's a simple process.
Jaigi
(Querist) 17 September 2012
Thank you Ajay Sethi and JT Rajasuriya for you valuable advice. I will proceed as suggested. Happy to receive more suggestions.
Sudhir Kumar, Advocate
(Expert) 17 September 2012
Insurnce advisor at car dealer may not be the authroity. He may not even be employee of Insurance Company. Contact the Insurance company.
RAJU O.F.,
(Expert) 19 September 2012
Immediately contact your insurance contact person; he will guide you and help in the required formalities.
Jaigi
(Querist) 19 September 2012
Thanks all. I finally managed to get the copy of GD entry from the police station and proceeding with the insurance claim process. Hope everything will turn out fine.
