Introduction
Minor accidents happen — scratches, dents, or even a broken windshield. No need to panic. Knowing the car insurance claim process can make things way smoother — saves time, headaches, and stress. Here’s a quick, easy run-through of what to do if it’s just a small accident.
Steps for Minor Accident Claims
| Step | What to Do |
| 1. Take Photos & Evidence | Snap the car, damages, and location. Keep proof before moving anything. |
| 2. Notify Your Insurer | Call / WhatsApp / email your insurance company ASAP. |
| 3. Fill Claim Form | Some insurers have online forms; others need physical submission. |
| 4. Submit Supporting Documents | Photos, police report (if needed), copy of license & policy. |
| 5. Review & Approval | Insurer will assess damage, sometimes a panel workshop visit is required. |
| 6. Repair Your Car | Go to approved panel workshop or insurer-approved option. Payment depends on coverage. |
| 7. Receive Policy / Receipts | Keep receipts, reports & claim confirmation. |
Tips for Minor Accident Claims
- Don’t claim small damages unnecessarily – Some small claims can reduce your NCD.
- Use approved panel workshops – Faster repairs and smoother insurance process.
- Take clear photos – Evidence is crucial for a claim.
- Notify immediately – Delays can complicate approval.
Quick FAQs
1. Will a minor accident claim reduce my NCD?
Yes, depending on the policy. Sometimes it drops half a level or one tier.
2. Can I use my own workshop?
Yes, but ensure the insurer approves it. Panel workshops are usually faster and hassle-free.
3. How long does a minor claim take?
If all documents are complete and no issues, usually 3–7 working days.
Conclusion
Honestly, minor claims aren’t that bad if you get the hang of the car insurance claim process. Snap pics of the damage, ping your insurer fast, go to a legit panel workshop, and hang on to all your docs. Do that, and the whole thing runs smoother — NCD stays safe, and your car gets fixed faster.
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