Is it mandatory to file an FIR before claiming car insurance?

Driving your dream vehicle and going on a drive can be a thrilling and adventurous experience. The scenic roads and the control over your journey can make driving a uniquely enjoyable activity. However, it is crucial to acknowledge that accidents or other mishaps are unavoidable in driving. Hence, with careful driving, having comprehensive car insurance can give protection in times of need.

FIR in the context of car insurance

First Information Report, or FIR, is a written document prepared by the police when they receive information about committing a cognisable offense, such as a car accident or theft. It is an important document that serves as a starting point for the police investigation and also initiates a car insurance claim.

Why is FIR relevant in car insurance?

FIR is relevant in car insurance for the following reasons:

1. If you are involved in a car accident, especially one involving death, injury, or significant property damage, it is often necessary to file an FIR at the nearest police station.

2. When you file a car insurance claim with your insurer for damages resulting from an accident, the insurer may require a copy of the FIR. This document helps the insurance company verify the circumstances of the accident and assess the claim.

3. An FIR provides legal documentation of the accident, which serves as an important record for you and the insurance company. It includes details such as the location of the accident, date, time, and the parties involved along with the complete details of the event.

4. Having an official record of an incident like an FIR reduces the chances of false reporting and prevents fraudulent claims.

Car insurance claim instances that require FIR

The requirement of FIR for car insurance claims may vary depending on the nature of the claims. Here are some common scenarios where an FIR is typically required:

Accidents

In the event of a significant accident that results in fatalities, injuries, or severe damage to your car, an FIR is necessary. The insurer needs this official record of incident to process claims for damages or medical expenses. Hit-and-run incidents also require FIR for claims.

Car theft

If your car is stolen, you must file an FIR with the police immediately. The insurance company will require the FIR to process your claim for the stolen vehicle.

Third-party liability claims

If your vehicle is involved in an accident that causes damage to third-party property or injuries to another person, an FIR is required. This helps in settling third-party liability claims.

Malicious damage

If your car is deliberately damaged, you must file an FIR. The insurance company will need the FIR to verify the circumstances and process the claim.

Natural disasters

In cases where your vehicle is damaged due to natural disasters like earthquakes, floods, or other acts of nature, an FIR may be required to substantiate the claim.

Conclusion

To conclude, accidents are unavoidable despite careful planning and safe driving practices. Hence, it is crucial to stay alert, maintain the vehicle well, and report any mishaps to the police to keep an official record of incidents and get the claim processed smoothly.