Earlier owning a car was seen as a status symbol but nowadays it has become a necessity. Owning a car means extra expenses of maintaining it and above all this, if your car gets damaged due to an accident or a person is injured because of the accident you will be burdened with the cost of additional expenses to compensate for the loss incurred. So in all an insurance policy is a must in order to protect the interests of a car owner and also against expensive repairs and damages caused to self, the insured car and third party. Visit our website for legal advice and representation in case of personal injury. The professionals from Japanese Auto Repair can make sure your automobile is as good as new. Even the safest of the drivers can have an accident, so one must understand that the first thing after an accident occurs, is to call the nearest police station, and ask for legal help, followed by which one can contact their insurance companies . This Domestic Battery Kansas Attorney can help you understanding the process in the wordings of the policy documents and can help you in other tedious and complicated work. So here is a simplified procedure for making a claim in case of own damage to the car, theft of the car and third party liability. Claims For Own-Damage         When your car gets damaged due to a major or minor accident then following will be the process of making a claim: 1) Inform the insurance company Give an intimation to your insurance company about the accident or any mishap and the damage caused to your vehicle because of it, at the earliest, at the toll-free numbers of the insurance companies. 2) Report to the police It is important to report the event to your nearest police station. And also lodge an FIR if the need be. 3) Damage evaluation Get the damage to your vehicle evaluated by the surveyor so that the company can assess the loss and also to get the permission to move your vehicle to the garage for repairs. For garage doors, you can check out garage doors in North Vancouver see Titan Garage Doors.  You will also be guided to the right network garage nearest to you and your car would be towed there (If your insurer provides cashless facility). Don’t tow the car yourself. This is just to avoid any further consequential damage to your car. Most car insurance companies will schedule the survey within 1-2 days of the car insurance claim intimation. 4) Claim settlement

1. a) If you opt for a cashless facility for claim settlement then submit all the documents to the network garage of the company and get your vehicle repaired.Cashless facility means you do not have to pay out of your pocket for covered damages, the insurance company will pay the workshop directly.
2. b) In case you do not opt for cashless facility then you will have to pay for the repairs to the garage and after that claim the covered damages from the surveyor/company by submitting the bills and the claim form.

Documents Required for Own Damage Claims

• Claim Form duly signed*
• RC copy of the vehicle
• Driving License copy
• Policy copy (First two pages)
• FIR on a case-to-case basis
• Original Estimate
• Original Repair Invoice and Payment Receipt (for cashless garage, only repair invoice)

*Stamp required in case of company registered vehicle Claims For Third Party Liability If in case your car damages the property of an individual or causes injury to an individual during a mishap then the affected person will likely be claiming for the damages to your insurance company.so following is the process of third party claims: 1) Report about the event at the nearest police station and file an FIR. Keep a copy of FIR with you. 2) Intimate about the accident to the insurance company at their toll-free numbers. 3) Share the policy documents with the third party so that they can make a claim at your insurance company. 4) After this, the third party has to approach a motor claims lawyer who files a case in a special court, the Motor Accident Claims Tribunal. The case has to be either filed in the tribunal with jurisdiction over the area where the accident occurred or with the tribunal with jurisdiction over the area where the claimant or the defendant resides. The court then hears both sides, examines the evidence, and fixes the liability. If the decision is in the favour of the third party, then he gets compensated for your loss. Note: NOTE:

• If the mishap involving your car resulting in damage or casualty to a third party that requires medical attention, then shift the victim to a nearby medical facility immediately. This should be the foremost step to be followed by you in such a situation.
•  Compensation for death or disablement of the third party is not limited. It just depends on various factors including the earning capacity of the affected.
• The liability towards any property damage is limited to Rs. 7,50,000. Any compensation amount over and above this (if required) is to be borne by the car owner.

Documents Required for Third Party Claims

• Claim Form duly signed*
• Police FIR copy
• Driving License copy
• Policy copy (First two pages)
• RC copy of the vehicle

*Stamp required in case of company registered vehicle Further documents may be required depending on the claim Theft Claim If your car gets stolen then following are the steps to be followed to make a theft claim: 1)  File an FIR at the nearest police station as soon as possible 2)  Notify the insurance company, through their toll-free numbers, about the theft and provide all the details of the vehicle along with the FIR 3) Inform the transport department about the theft 4) If your vehicle is found then the insurance company will give the compensation and also pay for the damages for the stolen parts. But if your vehicle isn’t found within 6 months, ask the police to issue you a Non-Traceable Report. This is an undertaking given by the police that they are yet to find your vehicle which you need to submit to the company, after this the company initiates the claim procedure. After this, complete the formalities of transferring the RC of your lost car. This has to be done in the name of the insurance company along with a letter of subrogation. The company might also ask you to surrender the keys of the car. The claim will be settled when all the documents are submitted. Documents Required for Theft Claims

• Claim Form duly signed*
• RC copy of the vehicle with all original keys
• Driving License copy
• Policy copy
• Original FIR copy
• Original Estimate
• RTO transfer papers duly signed along with Form 28, 29, 30 and Form 35 (if hypothecated). Form 28 is needed in triplicate, Form 29 and 30 are needed in duplicate.
• Final report – A No Trace report from the police saying that the vehicle cannot be located

*Stamp required in case of company registered vehicle