How can you claim on insurance if FIR is pending after the accident?

How can you claim on insurance if FIR is pending after the accident?

I’m a 40 year old professional who works for a consulting firm. I recently lost a friend in a fatal car accident. The police FIR (first investigation report) is still pending. What are the procedures for the victim’s family to claim insurance?

– Name withheld upon request

Navigating the insurance claim process following a fatal car accident with a pending police FIR can be complicated. However, the authorization to file an FIR depends on multiple factors related to the incident.
Notify the insurance company immediately, if you have not already done so so that you can provide the family with appropriate and timely assistance. You can help the family prepare with some basic documents like death certificate, KYC documents of the claimant, medical reports (if any), and any other relevant records, including a copy of the FIR, if necessary.

During this difficult time, it is advisable to maintain open communication with the insurance company, understand all requirements, continually communicate the status of the claim, and provide any supplemental information requested by the insurance company.

I am a software engineer working in the United States. What are the eligibility criteria for life insurance coverage given my non-resident status? Can you please clarify what documents are required and do I need to visit India for medical examination or any other requirements?

– Name withheld upon request

I am glad you learned about the advantages of choosing life insurance from India. Not only will this help you get affordable installments, but the purchasing process will be much easier. In fact, insurance solutions are tailor-made by Indian insurance companies to meet specific needs like yours.

Eligibility criteria and required documents may vary between insurance providers. Typically, insurance companies will ask for questionnaires and documents related to your NRI status, travel details such as passport copy, PAN/Form 60, income documents if any, and other relevant information.
It is advisable to speak with your insurance company, clearly understand the requirements, and prepare your documents to ensure a hassle-free purchase.
Insurers are constantly working to create a robust digital service architecture so that you can communicate with them effortlessly before and after your purchase. So, rest assured and take the first step towards securing your financial future with the right life insurance plan from India.

Indian insurance companies are also increasingly making processes easy and flexible including medical checks which are an integral part of the insurance purchasing process. A few of them can arrange medical examinations worldwide, and in many of these places, they even offer home visits.
Rajesh Krishnan is the Chief Operating Officer at Bajaj Allianz Life Insurance.

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    (tags for translation) FIR 

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