How do I claim insurance after a road accident?

To claim insurance after a road accident, you must promptly notify your insurer, file the required documents, and cooperate with the survey. Depending on the situation, you may claim under your own policy or against the at-fault party's insurer.

Key points

• Inform your insurance company immediately and note the claim reference number.
• File a police report/FIR where there is significant damage or injury.
• Take photographs of the damage and the accident scene as evidence.
• The insurer will appoint a surveyor to assess the damage before settlement.
• For third-party liability (injury or death), claims are filed before the Motor Accidents Claims Tribunal.

Relevant law

Motor insurance and accident claims are governed by the Motor Vehicles Act, 1988 (as amended in 2019), including Sections 145 to 166 on insurance and claims before the Motor Accidents Claims Tribunal (MACT). Third-party insurance is compulsory under the Act.

What you can do

• Notify your insurer immediately and submit the claim form with photos and documents.
• File a police report at the station in Ranchi where required.
• For injury/death claims, approach the Motor Accidents Claims Tribunal, Ranchi.
• Consult a motor accident lawyer in Ranchi if the claim is disputed or delayed.