Home / Articles / Car Insurance / Car Accidents in Shimla and Insurance Claim

Car Accidents in Shimla and Insurance Claim

Team AckoNov 28, 2022

Are you planning to go on a road trip to Shimla by car? Well, road trips are indeed a joy, and who can even resist the temptation of seeing The Ridge, Kufri, Green Valley, etc.? However, at the same time, you should continue to be careful, for road trips bring with them; the possibility of road accidents.  

So, before going on the road trip, have a look at the number of car accidents in Shimla from 2018-21, their causes, and how getting an insurance claim can help you.

Car Accidents in Shimla and Insurance Claim

Contents

icon

Car Accidents in Shimla

Shimla, the capital city of Himachal Pradesh, rests in the foothills of the Himalayas. Because of this, Shimla is lined with hilly roads that have sharp hairpin bends. So, if you are not paying attention or driving speedily on these roads, this can make your car skid off the road bends, and thus make car accidents in Shimla a real possibility for you.

Number of Road Accident Cases Reported in Shimla from 2018-2

You can avoid being just another number on this list of road accidents, by being aware of the car accident rate in Shimla, and what exactly contributed to this rate.

Road Accidents in Shimla - 2018

Number of Total Accidents

Total Number of Fatalities

Total Number of Injured Persons

523

250

981

  • The main cause of car accidents in Shimla in 2018 was speedy driving followed by turning without care, dangerous driving and overtaking.

  • Other factors contributing to road accidents in 2018 in Shimla were blind bends, non-provision of parapets, suspected vehicle defects, slippery and uneven road surfaces, etc.

  • The types of car accidents in Shimla in 2018 consisted of a head-on collision with a moving vehicle, a parked vehicle, a pedestrian, a car running off the road, a car overturning, etc.

  • Most of the injuries and fatalities in Shimla in 2018 occurred with those aged between 21-45, often between 4-9 p.m.

Road Accidents in Shimla - 2019

Number of Total Accidents

Total Number of Fatalities

Total Number of Injured Persons

514

186

847

  • Among the topmost causes of car accidents in Shimla in 2019 were speedy and dangerous driving and overtaking, turning without care, suspected drunk driving, etc.

  • Similar factors that played a role in road accidents in 2019 in Shimla were suspected vehicle defects, non-provision of crash barriers on the outer curve of the roads, blind bends, uneven road surfaces, adverse weather, etc.

  • The types of car accidents in Shimla in 2019 consisted of T-bone collisions, head-on collisions with a pedestrian and a moving vehicle, rear-end collisions, cars swerving off the road, etc.

  • Most of the injuries and fatalities in Shimla in 2018 occurred in the 16-45 age group, often between 2-9 p.m.

Road Accidents in Shimla - 2020

Number of Total Accidents

Total Number of Fatalities

Total Number of Injured Persons

402

157

616

  • The primary cause of car accidents in 2020 in Shimla was driving over speed limits, changing lanes and taking turns without care, dangerously overtaking vehicles, etc.

  • Some factors that contributed to road accidents in 2020 in Shimla were the non-provision of parapets, suspected vehicle defects, uneven and slippery road surfaces, blind bends, etc.

  • The types of car accidents in Shimla in 2020 consisted of a car overturning, hitting parked cars, rear-ending other vehicles, head-on colliding with a pedestrian and a moving vehicle, skidding off the road, etc.

  • Most of the injuries and fatalities in Shimla in 2020 occurred within the age group of 21-45, often between 2-9 p.m.

  • Road accidents in Shimla have seen a significant decrease from 2018 to 2020, with comparatively fewer accidents (about 121), relatively fewer fatalities (about 93), and fewer injured people (about 365).

Road Accidents in Shimla - 2021

No detailed statistics exist about road accidents in Shimla in 2021. However, what is known about them is that:

  • The main cause of car accidents in Shimla in 2021 was rash driving, overspeeding, driving under the influence of alcohol or drugs, mechanical defects in cars, etc.

  • The factors which played a role in these accidents in 2021 in Shimla were the lack of adequate provision for crash barriers, landslides, rockslides, blind bends, slippery roads, etc.

  • Most of the road accidents in Shimla in 2021 occurred on the link roads, followed by the national and state highways.

  • The maximum number of accidents in Shimla in 2021 took place in October.

Car Insurance as a Protection against Car Accidents in Shimla

Car accidents can happen at any time of the day. So, if you live in Shimla or are planning to visit Shimla by car, there's one thing you can do to protect yourself financially - buy a car insurance plan from ACKO.

Documents You Need to Make a Car Insurance Claim in Shimla

To make a car insurance claim in Shimla at ACKO, you need to have a soft copy of the following documents and upload them to your ACKO profile.

  • Copy of car insurance policy

  • Photos of the damaged parts of your car

  • FIR (First Information Report), in case it is required

  • Fire brigade report (if you have lodged it)

  • Copy of your car's RC (Registration Certificate)

  • Copy of your driving license and car keys

  • Original repair bill and original payment receipts of your car

  • Filled and signed claim form

  • Copy of medical receipts (if you suffer from any injuries)

How Can You Buy a Car Insurance Policy in Shimla at ACKO?

To buy car insurance online in Shimla at ACKO, you only need to follow the simple steps given below:

  • Visit ACKO's website and go to the car insurance section in the dropdown box.

  • Fill in the details of your car.

  • Select the insurance policy and add-ons according to your needs.

  • Pay the premium and instantly receive the selected insurance policy document in your inbox.

  • Visit ACKO's website and go to the car insurance section in the dropdown box.

  • Fill in the details of your car.

  • Select the insurance policy and add-ons according to your needs.

  • Pay the premium and instantly receive the selected insurance policy document in your inbox.

Things to Remember

Here’s a recap of all the important things you should remember about car accidents in Shimla and how a car insurance policy from ACKO can protect you.

  • Shimla has hilly roads with hairpin bends, and travelling on these roads can lead to accidents if you are driving speedily, taking turns without care, overtaking others dangerously, etc.

  • The common factors that contributed to road accidents in Shimla during 2018-21 were blind bends, slippery road surfaces, rockslides, non-provision of parapets, etc.

  • Most of the car accidents in Shimla occurred among people who were 21-45 years old.

  • If you live in Shimla or are planning to go by car on vacation there, a car insurance policy can safeguard you financially against car accidents in Shimla.

  • To buy a car insurance policy at ACKO, you only need to visit ACKO's website, fill in your car's details, choose an insurance policy, and pay the premium.

  • The documents you require to make an insurance claim in Shimla at ACKO, consist of a copy of your driving licence, insurance policy document, original car repair bill, photos of the damaged car, etc.

Frequently asked questions

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

Icon

What kinds of car insurance does ACKO provide?

ACKO provides personal car insurance, third-party car insurance, and commercial car insurance.

How long should I wait to claim insurance after a car accident?

You should claim insurance within 24 hours after a car accident has occurred.

What add-ons can I opt for when buying a car insurance policy?

When buying a car insurance policy from ACKO, you can opt for add-ons such as zero depreciation cover, roadside assistance cover, engine protection cover, etc. 

How long will I need to wait for claims to be settled after a car accident?

At ACKO, your minor claims will be settled immediately. However, you will need to wait a while for your major claims to be settled.

Explore More:

icon

Want to post any comments?

icon

Better car insurance, for Better Journey!

Car insurance starting ₹2,094*

Car number

or

car icon

Looking to insure your new car?

Save big with our zero commission insurance

You already have an Acko policy

Login to access your policy for this car