It is mandatory to buy a car insurance policy if you own a four-wheeler. It is a must to meet third-party liabilities. But a comprehensive car insurance policy can also help pay for the cost of repairs of the car in case of damages due to accidents.

You can file a claim in case of accident, damage or theft. You can opt for either a reimbursement claim, or a cashless claim. When you make a claim for reimbursement, you make the payment for repairs from your pocket and the insurance company will reimburse the amount to you later. If you opt for a cashless claim, you will not have to pay anything, except the deductibles, and the insurance company will pay for the expenses incurred. All you need to do is get the car repaired at one of the network garages and the insurance company will settle the bills directly with the workshop.

Insurance providers offer an e-claim service where you can file a claim on the website or through the app. It will save time and ensure that the claim is processed without any delay. Let us take a detailed look at the vehicle insurance claim process.

File a claim online

To file a claim online, you need to follow the below-mentioned steps.

• Note the number of the vehicles involved in the accident
• File an FIR at the nearest police station
• Take the vehicle to the garage
• Register the claim on the helpline number 1800 22 1111
• Alternatively, you can speak to the customer executive team or send an SMS
• Ask about the documents you need to submit at the time of claim filing
• After the claim is registered, the customer executive will get in touch with you about the same in 24 hours
• You now need to provide all the documents to the customer executive for further verification
• These documents will be compared with the original documents
• The claim will be processed after the completion of the formalities Once the claim is approved, it will be settled within a period of one month from the date of receipt of the final report.

Car Insurance Accident Claims

In the case of motor insurance claim process, you need to keep the below-mentioned points in mind.

• The policyholder must file and sign the claim form
• You must provide the original car registration booklet
• The driver of the car must submit the original driving license
• Provide details about the number of people sitting in the car
• If anyone other than the driver is filing the claim, it is important to mention the relationship with the insured
• Provide a copy of the police FIR or garage expense details
• Submit the garage bills and payment receipts
• The customer executive will verify the documents and approve the claim if the documents meet the requirements

Car Insurance: Theft Claims

In case of theft of the car, you need to follow the below-mentioned steps.

• Submit the claim form and provide original policy documents
• Provide original documents of car registration, road permit, vehicle fitness certificate and the road challan
• Provide FIR report
• You need to file a non-traceable report under Section 173 CRPC
• Provide the car keys, warranty card and purchase invoice
• Get a letter of acknowledgement from the RTO stating that the car is stolen and it is a total loss.

The insurance company will verify the documents before approving the claim.

Conclusion:

You must ensure that the claim is filed within the specified period and if you fail to do so, it may not be accepted by the insurance company. It helps to gather all the information at the accident spot. Take pictures and videos that can work as proof. You must also try to gather witnesses in case of an accident. If you opt for a cashless claim, it will be approved at the earliest and you will not have to worry about making a payment at the garage or the medical facility. In case of reimbursement, you will have to provide the insurance company with proof of the payment made by you and this amount will be reimbursed to you.

The car insurance claim process is quick and convenient, but you must have all the documents in place. This will save time and help get quick approval. If you need any help, you can contact the customer executives for the same.

Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.