After owning a car and becoming a car owner, one of the first important things to do is to apply for car insurance in Pakistan. According to current traffic laws, it has become an obligatory requirement for vehicle owners in the country to have third-party responsibility for car insurance. This insurance shields you from any financial risks with the possibility of incurring if you unintentionally cause harm to any public or private property. In Pakistan, there are also other kinds of auto insurance policies providing you with economic coverage for incidents like car accidents and damage and theft caused to your vehicle by natural disasters.
To legally claim any of the above-mentioned insurance coverage, you might be required to undergo a definite process. Therefore, to properly educate you on the process of claiming car insurance in Pakistan, we’ve composed this blog. The following are the steps involving details related to all the essential conditions and requirements.
Note: Read this blog if you want to get know-how regarding different sorts of car insurance policies accessible in Pakistan, including their costs. It will aid you in availing the best car insurance rates in Pakistan. We hope our blog will help you by easily making you understand the process of filing a car insurance claim.
Overview
A car insurance claim in Pakistan is an official request filed by a policyholder looking for covered loss compensation. Insurance claims can be of different types, depending on the company’s policies, including what it covers and what you will get.
HOW TO CLAIM CAR INSURANCE IN PAKISTAN: STEP-BY-STEP PROCESS
If you have come across an accident and don’t know how to claim a car insurance policy in Pakistan, then the following are some of the basic and vital steps you should follow:
- Firstly, while applying for car insurance in Pakistan, be certain that you have read all of its terms and conditions and then look for what is covered and what is not covered to progress further in filing a car insurance claim.
- In the matter of an accident, after making sure everyone’s safe, the very first thing you must do is inform your car insurance company for notifying.
- You might also be providing your insurance company with your policy number for verification.
- Once verified, they might ask you to take your car to one of their authorized service centers, or you would be given the choice to pick any nearest workshops at your accessibility.
- Next, they’ll send a surveyor who will assess and validate the damage caused to your vehicle, and a report will be prepared by that surveyor, including pictures of the damaged areas and the total repair cost.
- The surveyor report might also include recommendations for the repairs and replacements required for the car’s damaged parts.
- You might also be expected to show your car insurance policy documents at the workshop.
- The surveyor will then verify your car insurance policy documents before progressing further in the process.
The car insurance companies in Pakistan usually provide you with two options in terms of compensation. You can pay for the repairs of your car immediately after the surveyors complete their job, and the car insurance company will then refund the payment.
Otherwise, if you want to avoid additional out-of-pocket costs, you can wait till the process is completed. Once the process is completed, your car insurance company will immediately pay for the repair work.
THINGS TO REMEMBER WHEN CLAIMING CAR INSURANCE IN PAKISTAN
Until now, in this guide on how to claim a car insurance policy in Pakistan, you have been educated regarding all the important steps of the process. Let’s take note of things you must be careful about while going through the process.
When you contact the insurance company after the accident, you must provide them with every important detail. For instance, it should include accident and location details if your car is not drivable, which can eventually allow you timely towing assistance.
You must also lodge the First Information Report (FIR) in both hit-and-run and car theft cases. This requirement can also vary from case to case in diverse auto insurance policies in Pakistan.
If you desire to claim car insurance to counter car theft incidents, you might also have to provide CCTV camera footage, if any is accessible. Incidentally, the following are some valuable tips on how to keep your car from getting stolen.
- Don’t get your car fixed without notifying the car insurance company if you have car insurance, as it can make your car insurance claim useless.
- Have patience and wait for the surveyor to provide you with the final report if you have claimed car insurance in Pakistan.
- Payments from car insurance companies in Pakistan can be made through cash, online transfers, cheques, or bank drafts. You can also choose a mode of payment according to your convenience.
Now, let us take a look at the essential documentation required in this respect.
DOCUMENTS REQUIRED TO CLAIM CAR INSURANCE IN PAKISTAN
The important documents essential to claim car insurance in Pakistan are as follows:
- Original driver’s license with photocopy
- Vehicle insurance policy verification documents
- Original Computerized National Identity Card (CNIC)/Smart Card
- Original slips or receipts of any reimbursement payments (mandatory in the case of damaged car insurance)
- FIR copy and any other evidence in case of hit-and-run accidents and car theft cases.
These are all the essential documents required for claiming car insurance in Pakistan. Present and submit all the required documents as per your vehicle’s condition or situation to avoid any hassle coming in between the process of filing a car insurance claim. Also, keep in mind that different car insurance companies in Pakistan might ask for diverse documents.
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