Bajaj General Car Insurance Claim Process

Some of the common scenarios when a car insurance claim can be filed are mentioned below: 

• Road Accident or Collision: A claim can be filed if the vehicle has been involved in a collision or accident. The damage can be major or minor. A claim can be filed to cover the cost of repairs to your own car (own damage) or to the other party's property (third-party liability). 
• Theft: If your car is stolen and you hold a comprehensive motor insurance policy, you can make a theft claim. An FIR must be filed at the nearest police station as well. 
• Natural or Man-Made Disaster: Damage caused by floods, cyclones, earthquakes, fire, or even vandalism is covered under a comprehensive or own damage policy.   
• Third-Party Liability: If your car causes injury, death, or property damage to a third party, you can raise a third-party liability claim. Your insurer then compensates the affected party up to the limit specified in your policy. 

As per the Motor Vehicles Act, 1988, it is mandatory for car owners in the country to at least have a third-party insurance policy. 

How to File a Car Insurance Claim with Bajaj General? 

The process to file a car insurance claim with Bajaj General is mentioned below: 

• As soon as an incident occurs, call Bajaj General on 1800-209-5858, use the official website, or open the Bajaj General App to report the incident. 
• Share the date, time, and location of the accident.   
• A First Information Report (FIR) is mandatory for cases involving theft, third-party injury or death, major accidents, malicious damage, or partial theft. The FIR copy must be submitted with the claim documents. 
• Photograph and video-record the damage to your vehicle and the accident scene from different angles. 
• Once you have reported the incident, a claim registration number via SMS will be provided by Bajaj General. This number will help you to track your motor insurance claim status online. 
• Within 30 minutes to 24 hours of registration, Bajaj General Insurance will appoint a qualified surveyor to inspect your vehicle. 
• Do not begin any repairs before the surveyor completes their assessment and gives formal approval. 
• Once the vehicle has been assessed, the necessary documents must be submitted. 
• For a cashless claim, take your vehicle to one of Bajaj General’s preferred network garages. For a reimbursement claim, you may use any garage of your choice and submit the original bills afterwards. 
• Once the surveyor submits their report and all documents are verified, Bajaj General will make a decision on the claim within seven working days. For cashless claims, payment is made directly to the garage. For reimbursement claims, the approved amount is transferred to your bank account via NEFT. 

How to Raise a Third-Party Insurance Claim? 

The process that must be followed to raise a third-party insurance claim is mentioned below: 

• Contact Bajaj General Insurance promptly. Do not make any out-of-court settlement with the third party directly, as this could void your claim. 
• Any legal notice that you have received from the third party must be provided to Bajaj General Insurance immediately. 
• A Bajaj General executive will assess the situation and may arrange a lawyer to handle the legal proceedings on your behalf. 
• The case may be referred to the Motor Accident Claims Tribunal, which determines the compensation amount. Bajaj General Insurance pays the awarded amount on your behalf. 

Important Points to Know About Third-Party Claims 

Some points to know about third-party claims are mentioned below: 

• Third-party liability cover is mandatory as per the Motor Vehicles Act 1988. 
• Unlimited compensation is provided as a cover for bodily injury or death caused to a third party. 
• Property damage to a third party is covered up to Rs.7.5 lakh. 
• An FIR must be filed in cases involving injury, death, or significant property damage. 
• Never settle directly with the affected party. Always contact the insurer first. 
• Legal notices from the third party must be forwarded to Bajaj General immediately. 

How to File a Car Theft Insurance Claim? 

The process that must be followed to file a car theft insurance claim is mentioned below: 

• File an FIR at the nearest police station without delay. 
• notify Bajaj General Insurance via the app, website, or toll-free helpline. 
• Submit the signed claim form, original FIR, insurance policy, RC, and all sets of car keys. 
• Bajaj General will verify the theft details using available resources. 
• Your claim proceeds only after you provide all required documents, including the non-traceable report from the police and a court order confirming the vehicle could not be recovered. 
• You will also need to provide RC transfer forms (Form 28, 29, 30), a consent letter and indemnity bond on stamp paper, the original purchase invoice, a Financer's NOC and Form 35 (if the vehicle is under a loan), and a letter to the RTO informing them of the theft. 
• Once all documents are verified and formalities completed, Bajaj General releases the claim amount. 
• In cases where the vehicle is financed, payment is made to the financer unless an original NOC is provided. The policy is cancelled after the theft claim is settled. 

What Documents are Required to File a Car Insurance Claim? 

The documents that must be submitted to file a car insurance claim are mentioned below: 

• Completed and signed claim form. 
• Copy of the vehicle's Registration Certificate (RC) 
• Valid driving licence of the person driving at the time 
• Copy of the car insurance policy (digital or physical) 
• KYC documents 
• Cancelled cheque or NEFT mandate for bank transfer 
• Original repair invoice and payment receipts 
• Repair estimate from the garage 
• FIR copy (mandatory for major accidents and theft) 
• Proof of relationship or legal heir certificate (PA claims) 

How Long Does the Claim Settlement Take? 

Bajaj General Insurance has defined turnaround times (TAT) for each stage of the claim process to ensure transparency and timely resolution. 

Common Reasons a Car Insurance Claim May be Rejected 

Some of the main reasons why a car insurance claim may be rejected are mentioned below: 

• Intentional damage caused to your own vehicle 
• Normal wear, tear, and depreciation over time 
• Driving without a valid license at the time of the accident 
• Driving under the influence of alcohol or drugs 
• Accidents occurring outside the geographical limits of India 
• Losses caused by war, nuclear risks, or related events 
• Damage arising from overloading the vehicle beyond its legal limit 
• Unauthorised mechanical or electrical modifications to the car 
• Damage sustained during illegal racing, speed tests, or stunts 
• Use of a private vehicle for commercial purposes 
• Mechanical or electrical breakdown unrelated to an insured event 
• Consequential losses not directly caused by an insured peril 

Customer Care Numbers 

• Toll-Free Number: 1800-209-5858 
• 24x7 Roadside Assistance: 1800-103-5858 
• Email: careforyou@bajajgeneral.com 
• WhatsApp: Send ‘Hi’ to 75072 45858