Your Friend Crashed Your Car! What's Next?

The person whom are lending the car must be within the permissible limit of driving a car

When you lend your car, you must ensure that the are has a valid driving licence

You must inform the person that they are not driving under the influence of alcohol or intoxicants

The friend driving your car must be aware of the policy terms and conditions

In most cases, the insurer will provide financial compensation if they find out that you have given permission to drive your car. On the contrary, no claim will be entertained if you did not permit your friend.

If your friend crashes a car, the car will be damaged, and the passengers will be injured. In this case, the insurer will cover the damages to the car only and not the third-party injuries.

Ensure Safety: The very first thing to do is to take your friend and others to the hospital if they are injured. Do everything in your power to make sure that your friend and others are safe. 

Document the Scene: Next, you should take photographs of the damaged car from all angles to raise a successful claim. You should also record the incident, if possible. 

Collect all Details: Who was driving the car is very important. What is your buddy's age? Does your friend have a valid driving license? Was he/she drunk at the time of the accident? The insurer and the police will ask you these questions, so gather these details.

File FIR: You will need to file the First Information Report (FIR) with the police. It is important to do so for the claim process and avoid rejections.

Notify the Insurer: You should also inform the insurance provider about the incident. If you delay reporting the incident, your claim request may be rejected. 

Raise a Claim: You should file a claim against your car insurance policy after all of this. Submit the required documents and let your insurer look into the matter. If things look good to them, your claim gets settled.