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Car Accidents in Chandigarh and Insurance Claim

Team AckoSept 28, 2023

Chandigarh, situated on the Indo-Gangetic Plain and also known as the city of gardens, is located about 265 km north of New Delhi. It is bounded by Haryana on the east and Punjab on the other sides. The city has a well-developed infrastructure and relatively low population density. When visiting, you can use public means of transport for commuting. The CTU buses are very common in Chandigarh. 

You may also use a personal car for commuting if you visit the city, and if that's the case, you need to take much care to avoid a car accident in Chandigarh. Read on to learn more about car accidents and how to claim insurance if you find yourself in one in Chandigarh.

Car Accidents in Chandigarh and Insurance Claim



Car Accidents in Chandigarh

Traffic is regulated well with the help of traffic lights at all crossings. Slip roads and roundabouts have been added to regulate traffic and for safety. In case of light failure, traffic police take over and regulate the traffic accordingly.

In some areas, under-bridges and over-bridges have been built based on the need of the times. Sign boards with sector numbers, parks, and other important places, are displayed at the bigger crossings.

Despite all these measures, car accidents in Chandigarh do happen due to various reasons.

Number of Road Accidents Cases Reported in Chandigarh from 2018-21

The car accident rate in India is high in many cities. However, Chandigarh has experienced low cases of accidents compared to other towns. Below are essential statistics about road accidents in Chandigarh from 2018 to 2021.

Road Accidents in Chandigarh - 2021

In 2021, there were no vehicle restrictions in India. So, the number of road accidents in Chandigarh rose to 208, representing a 30.1% increase from the previous year. A total of 92 fatal accidents occurred in Chandigarh.

Speeding was the major cause of fatal accidents, and makes up 83.3% of the fatal accidents. Then, negligence and rash driving were responsible for 10.4 % of the accidents. Driving on the wrong side was the least cause of road accidents in Chandigarh, with 3 cases, which is 0.32% of the total accidents.

Road Accidents in Chandigarh - 2020

In 2020, the total number of road accidents stood at 159, representing a 41.7% decline from the previous year. The decline in road crashes can be linked to COVID-19 restrictions. Overspeeding was reported as the main cause of road accidents in Chandigarh, with about 132 cases representing 83% of the total accidents.

Data also indicates that most of the accidents were caused by cars. Light vehicles were responsible for around 60% of the road accidents in Chandigarh. On the other hand, 17% and 8% of road accidents in the city were caused by trucks and Lorries respectively.

Road Accidents in Chandigarh - 2019

Data from Statista indicates that about 305 road accidents occurred in Chandigarh in 2019. Many accidents that year occurred due to speeding, accounting for 95% of the total accidents.

Road Accidents in Chandigarh - 2018

The total number of accidents reported in 2018 was 316. The number is a 7.6% decline from 2017, which stood at 342. Rash driving was responsible for 293 crashes (93% of the total accidents). 12 were caused by drunk driving, representing around 4% of the accidents. Red light humping and wrong-side driving resulted in 3.2% and 0.31 accidents, respectively.

Vehicles hit from the side were the main type of accidents in Chandigarh, with 149, representing 47% of all the accidents, and head-on collisions, with 41, made up about 13% of road accidents in Chandigarh in 2018.

Get a Car Insurance for Financial Protection Against Car Accident in Chandigarh

If you get into a car accident in Chandigarh, you can pay a lot for the repair. But if you have a car insurance policy, the insurance company pays for repair expenses, saving you out-of-pocket cash. Today, buying insurance is a digital process. You can go online, follow a few steps, and get your car insurance online. You won't needany paperwork to buy or renew car insurance online, making the process simple and faster.

You might need a car replacement in case of total loss. When a fatal accident occurs, your car may be damaged beyond repair. Car theft is another incident that can leave you with no car. Faster car replacement after total loss, minimises the inconveniences you face without a car. In such cases, you need comprehensive car insurance to get a replacement within a short time.

Documents Required for a Car Accident Claim in Chandigarh

When you get into an accident, you must first inform the authorities for first aid if you sustain injuries. Then, ensure you inform your insurance company about the incident to begin claim processing.

You will require various documents to make a claim after an accident. They are:

  • Duly filled claim form

  • Policyholder identity proof documents

  • Car insurance Policy documents

  • First information report

  • Repair payment receipts for reimbursement claim

  • Legal notice for third-party liabilities

  • Driver licence

  • Non-traceable report (where necessary)

How to Buy a Car Insurance Policy in Chandigarh from ACKO

You only need to follow a few steps to have a new insurance policy. 

Steps to Buy Car Insurance Online from ACKO

  • Go online and visit

  • Enter car details as required

  • Select your preferred car insurance policy- comprehensive/ third-party and adds-on

  • Pay the amount required depending on your coverage

  • Download the policy documents

Steps to Renew Car Insurance Online from ACKO

Do you have car insurance that is almost hitting the expiry date? Nothing big to worry about. You need to follow a few steps, and you will renew your car insurance online within 2 minutes. 

Here are the basic steps to follow:

  • Visit the official ACKO website

  • While on the website, you will be required to fill in your registration number

  • Then, press the "View Prices" button

  • After clicking, you will arrive at a page with policy details where you may choose add-on over, inclusions and exclusion

  • When done, press the "Renew" button and continue

  • Pay for the car insurance renewal online

  • Download your new policy document

Things to Remember

Many car accidents were reported in Chandigarh from the year 2018-2021. along the Chandigarh roads. 

  • Speeding was the main cause of accidents, followed by rash driving in Chandigarh.

  •  If you are involved in a car accident, call the police, and your insurance company immediately. File for an FIR if possible.

  • Get Comprehensive insurance, so you're protected from financial liabilities from third parties; it also covers the costs of damages to your vehicle.

You can buy your car insurance online from ACKO at the comfort of your home. Click here to see ACKO's wide range of car insurance plans and choose the one that suits your needs best. 

Frequently asked questions

Here are the answers to some of the common questions about car accidents in Chandigarh.


What are the best tricks to avoid a car accident in Chandigarh?

  • Avoid drinking and driving

  • Don't over speed

  • Avoid rush-driving

  • Don't overtake on the wrong side

What should one do after getting into a car accident in Chandigarh?

  • Move out of the road if possible

  • Inform the authorities

  • Check to ensure no juries, and if any, get an emergency help

  • Call your car insurance policy

  • Collect more information about the car accident

  • File your claim

How long should one take before claiming after a car accident in Chandigarh?

You must inform your car insurance provider no later than 24 hours after the accident.

Can I make a car insurance claim in Chandigarh without FIR?

You need to file an FIR in case of a road accident that leads to injury of a third party or death or if your car gets stolen. But you don't need the FIR if you are claiming normal breakdown repair costs.

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