Car Insurance Claim

There is danger at every corner when it comes to Indian roads. Automobile insurance plays an important role in protecting consumers from serious financial losses that result from accidents.

So How to file a Car Insurance Claim?

Filing an auto/Car insurance claim
At the scene
a) Stop and get help for the injured.
b) Call the police and notify the nearest medical unit.
c) Provide the Police with the information they require.
d) Take steps to protect your car from further damage. Your Insurance Company will probably want to have someone inspect it and appraise the damage before you order the repair work done.
e) Record the details of the accident.

Filing your claim

1. Phone your insurance agent. Do it as soon as possible even if you are far off from home and even if someone else caused the accident.
2. Ask your agent on how to proceed and what forms or documents will be needed to support your claim. Your company may require a "proof of loss" form, as well as documents relating to your claim, such as medical and auto repair bills and a copy of the police report. Supply the information your insurer needs.
3. Keep records of your expenses. Expenses you incur as a result of an automobile accident may be reimbursed under your policy.
4. Keep copies of your paperwork. You may need to refer to it later.

Here are the documents that will require to file the Car Insurance Claim -

In Case of an Accident

• Note the number of the other vehicle involved in the accident, if any.
• Jot down the names and contact details of witnesses, if any.
• Contact our 24x7 call centre. Get your claim number / reference number. Call centre representative will provide you the details of documents required for claim processing and also details of our preferred garage, where cashless repair facility can be availed.
• File an FIR at the nearest police station in case of property damage, bodily injury, theft and major damages.

After Registering the Claim

• Our customer service manager will contact you within 24 hours of registering the claim.
• Submit the copy of documents to the dealer / CSM and get verified with the originals.
• Our CSM will get the estimate for the repairs of your vehicle and give spot approval after assessment.
• After completion of repair at our preferred garage we will make payment of our share of the loss directly to the garage.
• The insured to pay the excess mentioned in the policy and depreciation, salvage etc informed by the CSM

$ –> Documents Required -

For Accident Claims

• Claim form duly signed *
• RC copy of the vehicle
• Driving license copy**
• Policy copy (First two pages)
• FIR on a case-to-case basis
• Original estimate
• Original repair invoice, payment receipt (for cashless garage, only repair invoice)

For Theft Claims

• Claim form duly signed*
• RC copy of the vehicle with all original keys
• Driving license copy
• Original policy copy
• Original FIR copy
• RTO transfer papers duly signed along with Form 28, 29, 30 and Form 35 (if hypothecated)
• Final report – A no trace report from the police saying that the vehicle cannot be located.

For Third Party Claims

• Claim form duly signed*
• Police FIR copy
• Driving license copy
• Policy copy
• RC copy of the vehicle