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Accident claim: what to do in the first 30 minutes

Most claim delays happen because the first steps were messy: unclear timeline, weak proof, or wrong reporting. This is a simple sequence you can follow anywhere in Chennai or on NH routes.

Step 1 — Safety & basics

Move to a safe spot (if possible) and prevent further damage
Check injuries first; get medical help if needed
Note exact location + time (this becomes the start of your claim timeline)

Step 2 — Evidence that actually helps

Photos of vehicle positions, number plates, damages, and surroundings
Short video walkaround (10–20 seconds is enough)
If third-party involved: capture their RC/phone (only if safe)

Step 3 — Reporting discipline (avoid disputes)

Inform insurer/agent early (don’t wait until next day)
If police report is required in your situation: do it promptly
Avoid statements like “I accepted fault” in haste—keep facts only

Common mistakes that delay claims

Repairing or moving parts before photos (proof disappears)
Late intimation (creates avoidable scrutiny)
No clean incident timeline (what happened first, second, third)

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Accident claim support Chennai • Sholavaram vehicle claim guidance • Chennai outskirts NH accident claim checklist

FAQs

Do I always need an FIR?

Not always. It depends on the incident type and policy/insurer process. We guide the correct reporting steps for your case.

M N Rajendrakumar Insurance Services

Claim-first insurance guidance for Chennai outskirts businesses — Sholavaram, Red Hills Toll belt, Madhavaram & nearby highway/industrial zones.