How to Claim Insurance When Your Car is Damaged in a Self-Accident?
1 Answers
Call your insurance company directly, and they will assign a repair shop for the repairs. However, it's important to note that the coverage and claims process may vary depending on the type of insurance you have. For accidents involving "self-collision," the relevant insurance types include: Vehicle Damage Insurance, Compulsory Traffic Accident Liability Insurance (CTPL), Passenger Liability Insurance, and No-Deductible Insurance. Below are the essential insurances you need to purchase after buying a car: 1. Compulsory Traffic Accident Liability Insurance (CTPL): This is a mandatory insurance required by law. If you don't have it, traffic police may impose fines. This insurance provides limited compensation, mainly covering third-party damages and not your own vehicle. 2. Third-Party Liability Insurance: This covers compensation for third-party bodily injuries or fatalities caused by the policyholder. It's a must-have for both your own and others' protection. 3. Vehicle Damage Insurance: This covers damages to your own vehicle caused by natural disasters or accidents. It's recommended for new drivers. 4. No-Deductible Insurance: An add-on that transfers the policyholder's liability to the insurance company, reducing personal losses. If you have both Vehicle Damage Insurance and Third-Party Liability Insurance, it's advisable to also get No-Deductible Insurance.
