A friend of mine took my car for a ride and met with an accident. Will the insurer cover the damages?
Subodh Gupta, Lucknow
The incident is unfortunate, but you need not worry as long as your friend was driving with a valid driving license and the car was not being used as a commercial cab. The insurer will cover the damages and the procedure would be similar to how you would raise a claim if you had met with an accident. The documents required to raise a claim would be a valid driver’s licence, the car’s registration certificate, a complaint with the insurer which may call for a surveyor’s report, original motor garage bills as well as receipts and anything else that the insurer seeks.
