Team AckoNov 28, 2022
Bhopal is one of the cleanest and greenest cities in India. It also has a number of artificial and natural lakes, which have earned it its title as the City of Lakes. Bhopal also attracts a lot of tourists, which brings in a heavy influx of traffic. If you were on vacation exploring this amazing city, and happened to be involved in a Car Accident in Bhopal, the next question on your mind would be how to go ahead and file an insurance claim. This article will guide you through the entire process.
Bhopal, like every other city in the country, has a lot of traffic. Combine this with the casual attitude we as a country have towards traffic rules, and accidents happen frequently. Overspeeding due to a lack of speed-breakers in key areas has been identified as the root cause of a majority of the accidents in Bhopal. Poor lighting and a lack of traffic lights on key junctions have also been found to be responsible for a lot of accidents that have occurred at night.
Misrod, Habibganj and GovindPura have been identified as the most accident-prone zones in the city.
The car accident rate in Bhopal over the last few years is as follows:
Road Accidents in Bhopal in 2020 - 2,295
Road Accidents in Bhopal in 2019 - 3,287
Road Accidents in Bhopal in 2018 - 3,508
Bhopal has seen a steady decline in road accidents over the years. Thankfully this has resulted in a drop in fatalities and injuries as well. The number of fatalities due to road accidents has dropped from 347 in 2018 to 237 in 2020.
Accidents can happen anywhere and at any time. Depending on the severity of the accident, you may incur some serious financial losses as well.
Car Insurance policies provide a financial safety net in case you are involved in a Car Accident in Bhopal. There are primarily two types of car insurance you can opt for, which provide various levels of coverage.
Third-Party Insurance: Third-party insurance, as the same implies, protects you from any financial liabilities that may arise in the event that a third party suffers any damages or injuries. A third party, in this instance, can be a person, a vehicle or personal property. It is important to note that third-party insurance does not cover damages sustained by your own vehicle.
Comprehensive Insurance: Comprehensive insurance takes your coverage up a notch. Not only are you protected from financial liabilities from third parties, but this type of insurance also covers the costs of damages to your own vehicle. Apart from this, comprehensive insurance also provides cover in case your vehicle is stolen or damaged in natural or man-made disasters.
Documents Required to Make a Car Accident Claim in Bhopal
Having all the necessary documents ready can make your claim process go a lot smoother. These are the documents you will need to file an insurance claim if you were involved in a Car Accident in Bhopal:
A copy of the insurance policy certificate
Proof of Identification of the policyholder
Driving licence of the driver
Registration Certificate (RC) of the insured vehicle
First Information Report (FIR), if lodged
Fire Brigade Report, if lodged
Original purchase invoice (if opted for Return to Invoice add-on cover)
Any other document requested by the insurer
ACKO is one of India's leading insurance service providers in the country. The biggest benefit of going with ACKO is that you can purchase a car insurance policy online and renew the car insurance online.
ACKO has a number of car insurance policies to choose from that offer various levels of coverage.
Third-Party Plan - The third-party plan from ACKO protects you from any third-party financial liabilities.
Comprehensive Plan - Comprehensive insurance offers everything a third-party plan offers, along with coverage to take care of damage to your vehicle. It also covers you in case of vehicle theft and damage due to natural disasters.
Zero-Dep Plan- A zero-dep plan has all the benefits of the comprehensive plan, with the benefit of not losing any money on depreciation.
Once you decide which plan best suits your needs, you can follow the below steps to buy your insurance plan with ACKO.
Enter your vehicle's registration number. We make things easier for you by fetching the details of your vehicle for you.
You will then be asked to answer a series of simple questions to help us better understand your insurance needs.
You then view all the insurance plans online with tailor-made premiums just for you and make your purchase right then and there.
Once the payment is made, the option to download the policy will be visible on the screen.
Drive safely; always remember that when you are behind the wheel, you are equally responsible for the safety of your passengers as well as of other motorists that you share the road with.
That being said, sometimes accidents do happen for no fault of your own. If you are involved in a car accident in Bhopal, there are a few things to remember, to ensure that your claim process goes through without a glitch.
Know the type of claim to file for: If the accident was not your fault, then raise your claim under the third party's insurance policy. That way, you do not lose out on the NCB bonus. If the accident was caused due to your negligence, then you will have to file a claim under your third-party insurance policy.
Inform us Immediately: It is imperative that you inform us the moment the accident occurs. You are at risk of getting your claim rejected if you do not inform us within the time specified in the policy document.
Do not forget to file an FIR: FIRs are mandatory in case of accidents that involve a third party. Please go to the nearest police station and file an FIR with them. A copy of the FIR is essential to file a successful insurance claim.
Keep all necessary documents handy: Having all the documents needed to file the claim will help us speed up the process and increase the chances of filing a successful claim.
Accidents can take a toll on someone mentally and financially. If you meet with a Car Accident in Bhopal, fret not: ACKO has you covered on both accounts. If you do not have car insurance yet or want to switch to ACKO as your insurance provider, click here to see ACKO's wide range of car insurance plans.
It is best to inform your insurer within 24 hours of the accident, and give all the crucial details, to help start the claim process immediately.
Your insurance claim can be rejected for any one of the following reasons:
Failure to inform the insurer on time
Driving without a valid driving licence
Driving under the influence of alcohol
Your insurance policy has lapsed
If your insurance claim was found to be fraudulent
At ACKO, we send you regular updates about the status of your claim via SMS and email. You can also enquire about the status of your claim by calling our toll-free number - 1800 266 2256, or from the ACKO mobile application.
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