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Car Insurance Claim Process in Delhi: What to Do After an Accident?

Team AckoApr 12, 2023

Delhi is a densely populated city with a correspondingly high volume of cars and congested roads. Although car accidents can happen anywhere, and you have to be a little extra careful while driving in Delhi.  That being said, if you find yourself involved in a car accident in Delhi, this blog covers how to file an insurance claim so you can focus on physical and financial recovery instead of worrying about how you'll pay your medical bills or car repair costs.

Car Accidents in Delhi and Insurance Claim



Car Accidents in Delhi

Delhi is one of the most crowded cities in India, with a population of more than 32 million people, of which nearly 3.31 million own cars. Considering these high numbers, it's no surprise that Delhi has a high rate of accidents.

The many reasons reported for car accidents in Delhiinclude reckless driving, bad roads, heavy traffic, careless pedestrians, etc. 

Number of Road Accidents in Delhi from 2018-2021

According to the statistics reported by the Indian Government, here are the car accident rates in Delhi for the following years:

Road Accidents in Delhi 2018


Number of Road Accidents in Delhi

Number of Deaths in Road Accidents in Delhi




  • In 2018, there were 6515 accidents, of which 28.84% were car accidents. 

  • From the total number of accidents, the number of car accidents where private car vehicles were at fault was 1,745.

  • The number of male victims killed in the accidents was 1,439, and the number of female victims was 134.

Road Accidents in Delhi in 2019


Number of Road Accidents in Delhi

Number of Deaths in Road Accidents in Delhi




  • In 2019, out of 5,610 accidents, 29.48% were car accidents.

  • The number of car accidents involving private cars was 1542.

  • The number of males killed in the accident was 1329, and the number of females was 134.

Road Accidents in Delhi in 2020


Number of Road Accidents in Delhi

Number of Deaths in Road Accidents in Delhi




  • In 2020, there were 4178 road accidents, of which 28% were attributed to cars.

  • Of the total car accidents, private cars were involved in 1,170. 

  • The number of males killed in car accidents was 1,184, while the number of females was 12. 

Road Accidents in Delhi in 2021


Number of Road Accidents in Delhi

Number of Deaths in Road Accidents in Delhi




  • In 2021, there were 4720 road accidents, of which 30% were car accidents.

  • Private cars were involved in 1,416 accidents.

  • Of the fatalities reported, 171 were females, and 1,068 were males.

Safety and Car Insurance as Protection Against Car Accidents in Delhi

Safety is a basic need. Pedestrians and car drivers in Delhi are at risk of facing fatal accidents. Car insurance is thus essential in such a city, where such accidents occur on the regular. With your vehicle insured, you can drive without fear, knowing that it will be taken care of if you get into an accident. Some may overlook insurance as a protection against car accidents, but it should never be ignored. 

Various companies offer several types of coverage, which differ based on what they cover and how much money it costs. The different coverage options include liability insurance, collision coverage, comprehensive coverage and uninsured motorist coverage. You can select the one that matches your needs and budget.

Documents Required to Make a Car Accident Claim in Delhi

While raising a claim for your car insurance, it is important to submit the following list of required documents:

  • Your original car insurance policy copy

  • A copy of the FIR from the police

  • A copy of the driver's license

  • A claim form that has been duly filled out and signed

  • The original repair bill, cash receipts, etc.

  • A copy of the Registration Certificate (RC) for your car

  • Documents to get reimbursed for medical expenses in case you sustain physical injuries

How to buy a car insurance policy in Delhi at ACKO?

ACKO is one of the country's leading car insurance policy providers, offering a myriad of consumer benefits, including quick cashless claims and affordable plans.

To make the process simpler and quicker for you, ACKO has the option to purchase car insurance online. Following these steps will allow you to do so from anywhere you need:

  • Visit ACKO's website or download the mobile app and navigate to 'Car Insurance'.

  • Enter your vehicle details when prompted.

  • ACKO provides a variety of car insurance policies; you need to choose the one that matches your requirements. 

  • After you decide on the car insurance plan you are interested in, you need to select it and make a payment for the same online. As soon as you make the payment, your policy purchase will be confirmed, and you will receive the same in your email. 

  • Make sure to renew your car insurance regularly to continue to benefit from it. To renew car insurance, you must log in to your account and navigate the website or mobile app to find the policy renewal option. 

Things to Remember

To summarise, road accidents are a growing concern in Delhi, and in today's day and age; it is important to be insured. This way, you can make a claim for damages and prevent yourself from paying out of pocket. 

Here are some things you must remember in case you get into an accident and need to file a claim as quickly as possible:

  • If you are in a car accident, do not move your car. Call the police. If possible, take pictures of the accident scene before moving your car.

  • If someone was injured due to the crash, call emergency services immediately (do not wait for the police).  

  • Inform the other driver that they do not need contact information or insurance information from them if they are at fault.

  • Only contact your insurer to report the incident and file a claim for damages. You might also want to consider contacting your auto insurance provider so they can assist with coverage. 

  • Buy your car insurance policy from a recognized company such as ACKO, to ensure there are no hassles while making a claim. 

Frequently asked questions

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


What should I do if I'm involved in a car accident?

  • Get the contact information of the other driver, witnesses, or law enforcement.

  • Report the accident to your insurance company as soon as possible.

  • Take pictures of the scene and damage, including any visible licence plates.

  • Seek medical attention if you've been injured.

  • Collect your personal belongings from the car before it is towed away. 

How soon must I call the insurance company if I’ve been in an accident?

In most cases, you'll need to check your insurance policy, but most companies require you to file a claim within 72 hours of the accident.

Are car insurance claims brought to court?

The majority of cases never make it to trial, but some do. These usually involve cases with a complex element, unresponsive defendants or insurance companies, defendants denying liability, or claimants seeking interim payments.

How long does a car accident settlement take to conclude?

If you and the insurer agree on a fair settlement, receiving your cheque usually takes around four to six weeks. The insurance company will require a release form.

When claiming insurance on a car, is a police report required?

If a third-party claim is filed, an insurance company will want a copy of the FIR (First Information Report). You should have the copy ready when filing your claim.

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