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Car Accidents in Chennai and Insurance Claim

Team AckoFeb 16, 2024

Formerly called Madras, Tamil Nadu's capital city is now known as Chennai. It is situated in Southeast India and is a popular tourist destination. As a result, it is flooded with cars, especially in the winter month. If you plan to visit Chennai anytime soon, have a look at the number of car accidents in Chennai from 2018-2021 and how getting an insurance claim can protect you.

Contents

Car Accidents in Chennai
Number of Road Accident Cases Reported in Chennai
Safety and Car Insurance Policy as a Protection Against Car Accidents in Chennai
Documents You Require to Make a Car Accident Claim in Chennai
- How to Buy a Car Insurance Policy in Chennai at ACKO
Things To Remember
Frequently asked questions

Car Accidents in Chennai

Situated on the Coromandel Coast, Chennai encompasses ancient temples, world-class cuisines, and artistic natural wonders. In addition, this coastal city is home to Thousand Lights Mosque, Marina Beach, Parthasarathy Temple, etc. Because of these attractions, Chennai is bustling with tourists and cars from October to February. And so many cars out on the road can lead to some of the worst traffic jams and an increase in car accidents in Chennai.

Number of Road Accident Cases Reported in Chennai

Before visiting Chennai, you should be aware of the rate of car accidents in Chennai and what contributed to this rate so that you can avoid making the same mistakes.

Road Accidents in Chennai from 2018-2021

Year	Total Number of Accidents	Total Number of Persons Killed	Total Number of Persons who Suffered Minor-Injuries	Total Number of Persons who Suffered Major-Injuries
2018	7,586	1,263	5,332	2,106
2019	6,874	1,253	4,929	1,773
2020	4,397	874	3,323	937
2021	5,034	998	-	-

The primary reasons for car accidents in Chennai from 2018-2021 were overspeeding, drunk driving, jumping red lights, not wearing seatbelts, driving while using phones, etc.
The majority of car accidents in Chennai from 2018-2021 happened on the State Highways, followed by the National Highways and the district roads.
Most of the car accidents in Chennai from 2018-2021 occurred between 6-9 pm and 9 am -12 pm.
Some car accidents in Chennai from 2018-2021 occurred due to external factors like potholed roads, blind bends, floods, etc.
There was a decline in the number of car accidents in Chennai from 2018 to 2020. However, the accident number experienced an elevation from the year 2020 to the year 2021.

Safety and Car Insurance Policy as a Protection Against Car Accidents in Chennai

One necessary precaution against car accidents in Chennai you can take, is to buy a car insurance policy.

ACKO offers car insurance under these three categories:

Comprehensive car insurance: It comes in handy when you have a car accident; your car ends up damaged along with the other person's. Comprehensive car insurance will provide financial coverage for damages incurred to your car, as well as the other person's car.
Third-party car insurance: It helps when you have an accident - and the other person's car ends up damaged. Third-party insurance will cover the cost of the damages incurred to the other person's car or a pedestrian.
Commercial car insurance: If you have a car that carries goods or people from point A to B and this car of yours meets with an accident, commercial car insurance will cover the financial cost of the damages incurred.

Documents You Require to Make a Car Accident Claim in Chennai

You need to have the following documents to make a car accident claim in Chennai at ACKO. In case you don't upload any one of the documents given below, your car accident claim will get rejected.

Photos of the damaged parts of your car
FIR (First Information Report) - in case it is required
Original payment receipts and repair bills for your car
Filled and signed claim form
Fire brigade report - if you have lodged it
Copy of car insurance policy
Copy of medical receipts - if you suffer from any injury
Copy of your car's RC (Registration Certificate)
Copy of your driving license and car keys

How to Buy a Car Insurance Policy in Chennai at ACKO

You can buy and even renew your car insurance policy in Chennai from ACKO at affordable prices.

To purchase car insurance online, follow the steps given below.

Visit the website of ACKO.
Go to the car insurance section in the dropdown box.
Fill in the required details of your car.
Choose a preferable car insurance plan as well as add-ons.
Pay the premium. You will shortly receive the insurance policy document in your inbox.

After you have bought a car insurance policy from ACKO, you will be able to access benefits, such as:

Coverage against natural calamities
Coverage against your car damage or theft
Stress-free claims
Decreased financial burden
Safeguard against third-party liabilities
Reliable customer care support

Things To Remember

Here is a recap of all the essential things you should remember about car accidents in Chennai and the importance of buying a car insurance policy from ACKO.

Chennai is a popular tourist destination - with attractions like the Thousand Lights Mosque, Marina Beach, Parthasarathy Temple, etc.
Chennai is brimming with tourists and cars, particularly from October to February. As a result, the chances of car accidents in Chennai are pretty high in these months.
The leading causes of car accidents in Chennai from 2018-2021 were driving under the influence of alcohol, driving over the speed limit, driving while talking or using a mobile phone, not wearing seatbelts.
Since accidents in Chennai usually happen between 6-9 pm and 9-12 pm, purchasing a car insurance policy from ACKO will help protect you financially.
To purchase a car insurance policy from ACKO, visit ACKO's website, and go to the car insurance section, fill in the requested information, choose a preferred insurance plan, and pay the premium.
The documents you will require to claim insurance for a car accident in Chennai are a copy of your driver's license, car insurance policy document, car keys, original car repair bills, etc.

Get insured to protect your car when in Chennai!

Frequently asked questions

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

1. Which options will I be given for add-ons when buying a car insurance policy?

When you are buying a car insurance policy from ACKO, you will be given the following options for add-ons:

Key Replacement Cover
Zero Depreciation Cover
Consumables Cover
NCB (No Claim Bonus) Protection
Personal Accident Cover
Roadside Assistance Cover
Engine Protection Cover
Outstation Emergency Cover
Return to Invoice Cover

2. Which factors affect your premium when you are about to buy a car insurance policy?

When buying a car insurance policy from ACKO, the following factors can affect your premium - the capacity of your car's engine, range of your insurance coverage, age of your car, IDV (Insured Declared Value), cost of add-ons, etc.