What Is Accidental Damage Car Insurance?

To file an Accident Insurance Claim process, inform the insurer within the specified time to be provided with a claim reference number. Below are the required details submitted:-

• Policy Number
• Name and Contact Details of the injured person
• Accident Date and Time
• Location of the incident
• Duration of the loss

The documents required for an accidental insurance death claim are:-

• Death certificate
• Post-mortem report
• Medical certificate
• FIR report
• Medicine bills

A personal accident insurance policy offers coverage against accidental injuries and death. However, such plans won’t cover natural deaths and deaths resulting due to a disease.

Most people know that their car insurance covers them in case of an accident, but what about if you die in the accident? Does your car insurance cover accidental death? The owner can avail of personal accident cover for passengers in the vehicle. Another mandatory feature is the third-party legal liability cover. It protects the owner against legal liability arising from an accident causing any permanent injury or death as well as any damage to the property. Your car insurance policy will not cover accidental death. To be covered, you must contact the insurance provider before deciding if it covers accidental death.

Car insurance covers damage caused to the car by an unexpected event. The coverage varies from company to company, but it is usually limited to the cost of repairing or replacing the damaged property. The extent of coverage for accidental damage depends on your policy, so be sure to check with your agent before you buy one. Car insurance is a policy that covers you, your car, and third-party liabilities, in case of an accident involving your vehicle. As per the terms and conditions defined in the car insurance policy, you will be covered in case of an accident.