Even a small car accident can shake you up - but knowing what to do next can save time, stress, and money.
Whether it’s a parking bump, a scratched bumper, or a small fender bender, many car owners in Hyderabad make simple mistakes after minor accidents that lead to claim delays or rejection.
In this guide, you’ll learn exactly what to do right after an accident, when to file a claim (and when not to), and how to ensure a smooth cashless settlement with your insurer or through PolicyBachat.
Follow these steps to protect yourself, your car, and your No Claim Bonus while keeping your insurance coverage strong.
Check For Safety First
- Move your car to the roadside if traffic is affected.
- Turn on hazard lights and use a warning triangle.
- Check for injuries - if anyone is hurt, call emergency services immediately.
- Stay calm; avoid arguing or assigning blame at the scene.
Tip: Always carry your insurance papers, DL, and RC in the car or on your phone for emergencies.
Take Photos and Video Evidence
Before moving your vehicle or starting repairs, take clear photos and videos of:
- The damaged area (close-up and full view).
- Number plates of all vehicles involved.
- Location, road signs, and traffic signals.
- Witnesses or bystanders (if available).
This evidence supports your claim and prevents disputes.
Inform Your Insurer Immediately
- Contact your insurer’s toll-free helpline or PolicyBachat dashboard within 24 hours.
- Provide details: car number, policy number, date, and short description.
- You’ll get a claim reference number for tracking.
- Most insurers now allow claim intimation through WhatsApp or app upload.
Why it matters: Delayed reporting is one of the main reasons for claim rejection.
Decide Whether To File A Claim
If the repair cost is less than your NCB value, consider paying out-of-pocket to keep your bonus intact.
Example:
If repair cost = ₹2,000
and your NCB savings = ₹3,500 → don’t file a claim.
File a claim if:
- Damage is moderate or severe.
- Third-party vehicle/property involved.
- There’s injury or police complaint filed.
- You have Zero Dep or add-ons that minimize personal cost.
Visit A Cashless Garage Or Authorized Workshop
In Hyderabad, most insurers have cashless tie-ups with garages near major RTO zones.
Use PolicyBachat’s “Find Garage” feature to locate one nearby.
- Tow service available via RSA (Roadside Assistance) add-on.
- Don’t start repairs until surveyor inspection is complete.
- Keep your claim number handy - all communication uses it.
Get Damage Assessed
- The insurer assigns a surveyor who inspects the car and estimates cost.
- You’ll receive an estimate for approval.
- Repairs begin only after your confirmation.
- Digital inspection is common for small claims - no physical visit needed.
Claim Settlement
- Once repairs are done, insurer pays the garage directly (cashless claim).
- You pay only the deductible and non-covered items (like consumables).
- Take invoice, satisfaction note, and claim summary for records.
Average timeline in Hyderabad:
| Step |
Duration |
| Claim registration |
10–15 minutes |
| Survey & approval |
1–2 days |
| Repair & delivery |
2–4 days |
When To File A Police Report
You must file an FIR if:
- Third-party injury or property damage occurred.
- You suspect theft or malicious intent.
- Accident caused serious harm even without visible damage.
For minor scratches or dents, an FIR is not required.
How To Protect Your NCB After A Minor Accident
- Avoid filing claims below ₹2,000–₹3,000.
- Use NCB Protect add-on - keeps your bonus even after a small claim.
- Renew policy before expiry to maintain continuity.
- Switch insurers with NCB certificate if you change company.
Local Insights For Hyderabad
- Top 3 reasons for minor claims: Bumper damage, Side-door dent, Scratch on body.
- Average small-claim cost: ₹5,500.
- Common claim turnaround time: 5 days.
- Most used add-on for small claims: Zero Dep + NCB Protect combo.
- Popular insurers for quick claim approval: HDFC ERGO, ICICI Lombard, Bajaj Allianz.
FAQs
Should I always file a claim for small accidents?
No, only if repair cost exceeds your NCB value.
What documents do I need for a small claim?
Policy copy, RC, DL, claim form, and photos.
Can I repair first and claim later?
No, get insurer/surveyor approval before repair.
Do minor scratches need FIR?
No, FIR is required only for major damage or injury.
Will my premium increase after one claim?
Possibly - NCB resets to 0%.
How many days do I have to report an accident?
Usually within 24–48 hours.
Can I file a claim if another car hit me and ran away?
Yes, file an FIR for hit-and-run case.
What if I’m at fault?
Your own damages are covered under comprehensive policy.
Are traffic fines covered under insurance?
No, fines or penalties are never covered.
Does claim affect next year’s premium?
Yes, NCB reset increases next renewal cost.
Can I file multiple small claims?
Yes, but it’s better to pay minor ones to save NCB.
How long does claim settlement take?
Usually 3–5 working days for cashless repairs.
Do I need to pay anything during claim?
Yes, deductible + non-covered items (usually small amount).
Is Zero Dep useful for minor accidents?
Absolutely - ensures full payout without depreciation cuts.
What if I discover hidden damage later?
Report immediately; insurer may send surveyor again.
Customer Reviews
- “Followed this guide after a scratch accident - claim done in 2 days.” - Arjun K., Delhi
- “Didn’t lose my NCB thanks to their advice.” - Sneha D., Pune
- “Photos and claim registration tips were spot on.” - Ravi G., Hyderabad
- “No agent needed - all online and fast.” - Priya S., Bengaluru
- “Cashless claim worked perfectly; Zero Dep saved ₹6,000.” - Vikram T., Mumbai
- “Wish I’d read this sooner - super clear and simple.” - Kavita R., Jaipur
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