Insurance is like a spare tyre. You may not require it, but not having one is not an option.

Motor Insurance Claim

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Cashless Garages

After having bought your dream vehicle, you have protected it with the most optimum insurance plan. Now that you are all set to take it out on a long relaxing drive, a singular pleasure that you have always wanted, you should check whether you are aware of the terms and conditions in your insurance document.

This is crucial because motor insurance protection is essentially the safety net that safeguards you and your vehicle from all unpleasant eventualities. So, as the policyholder, you are expected to be well aware of what is covered under the plan and what is not. Reading through the policy documentation is the best way in which you can get first-hand information about the plan coverage.

In addition to the coverage, it is also crucial that you are aware of the steps you need to take in the unprecedented event of a claim. Again, reading through the policy documentation helps you in making a judicious decision at that point of time.

Types Of Motor Insurance Claims

  • Based on claim settlement process - Motor insurance claims can be broadly classified into two types, based on the claim settlement process:
  1. Cashless claims - Getting your vehicle repaired at a cashless garage is the most optimum way in which you can proceed after a devastating accident. The striking benefits of this mode of claim settlement are as follows:
    1. The policyholder is not required to pay any significant amount upfront for the repair work. He/she will only have to bear the deductibles/excesses and depreciation of car parts. The remaining expenses will be paid directly by the insurance company to the network garage.
    2. The services offered at cashless garages are of the best quality. The use of latest equipments and the presence of informed personnel ensure that there are minimal delays in the repair work. Most network garages offer a 6-month quality assurance certificate for all repairs done there.
    3. The policyholder may receive additional benefits such as courtesy car service for a fixed duration while the insured car is undergoing repairs at a network garage.
    4. The survey and multi-level approval processes at the insurer’s side happen in a quick manner when the motor vehicle is undergoing repairs at a network garage.
    5. Some insurers offer free pick-up, towing assistance, and car wash facility when you opt for cashless claim settlement.

How To Initiate A Cashless Claim After An Accident

If your vehicle has been involved in an accident, you can initiate a cashless claim in the following manner:

  1. First you should note down the number of the other vehicle/vehicles involved in the accident. Also, get the names and contact details of the witnesses, if possible.
  2. In case there were third-party injuries/death or property damage, loss of keys, malicious damage, or any other such critical issues, you should file an FIR at the nearest police station.
  3. You should also contact the insurance company and report the accident. You will receive a reference/claim number.
  4. You will be informed about the documents required for claim processing by the customer care representative from the insurance company. Additionally, you will be provided the details of network garages in the locality, where you can get the repairs done.
  5. You can take the vehicle to a network garage. A customer service manager (CSM) will get in touch with you within 24 hours of claim registration.
  6. You should submit all the relevant documents to the CSM/dealer and get an estimate for the repair work. Once the CSM approves the estimate, he/she will give a go-ahead for the repairs.
  7. The insurance company will make the claim payment to the garage after the repair work is completed.
  8. The CSM will intimate you on the balance amount that you will have to pay under the heads of deductibles and depreciation.
  1. Reimbursement claims - You can choose to get your vehicle repaired at a garage that is outside the network of the motor insurance company. If you follow this route, you will have to pay the entire repair amount to the garage after the repair work and then raise a reimbursement claim under the motor insurance policy. The insurer will validate the claim documents submitted by you and provide you the claim payout.

How To Initiate A Reimbursement Claim After An Accident

In case your vehicle has met with an accident, you should follow these steps to raise a reimbursement claim:

  1. You should take note of the vehicles that are involved in the mishap. Also, get the contact details and names of the witnesses.
  2. You should then get in touch with the insurance company at its toll-free number and report the incident. Some insurers also enable you to raise claims through SMS; in this case, you will receive a call-back from a customer care representative of the insurer.
  3. Within 24 hours of claim registration, you will receive a call from the Customer Service Manager (CSM) of the insurer. You will have to submit all original bills, invoices, etc. to the CSM and get these verified.
  4. The insurance company will then initiate the claim settlement process.
  5. The reimbursement for the approved claim amount will be offered directly to the customer.
  • Based on claim incident - Motor insurance claims can also be differentiated on the basis of the incident that gives rise to the claim. Let us take a look at this in detail.
    1. Own-damage claims - If your vehicle is equipped with a comprehensive motor insurance policy, you get the own-damage cover that protects you in the event of an accident. Listed below are the steps to raise own-damage claims:
      1. Inform the insurance company about the accident with the least possible delay. Most insurance companies do not honour claims that are raised after 48 hours from the time of the incident. In case you have bought vehicle insurance through a third-party insurance broking website, you can get in touch with that company and narrate the incident. You will receive the guidance of the third-party company throughout the claim settlement process.
      2. You should also approach the nearest police station and file an FIR, as it adds weightage to your claim.
      3. An inspection will be scheduled by the insurer, after which you can move the vehicle to a network garage. You can also choose to get the vehicle repaired at any garage outside the network of the insurance company and raise a reimbursement claim later on.
      4. Once the garage provides an estimate for the repair work, your insurer will have to provide the approval for the same. After this, the repair work commences.
      5. As soon as the repair is done, the insurer settles the cashless claim. For reimbursement claims, you will have to go through the process of submitting all relevant bills/invoices separately. The insurer will validate the documents submitted and make the necessary payout.
    2. Third-party liability claims - If you were responsible for an accident (involving your insured vehicle) in which a third party has suffered some losses, you will be drawn into a third-party liability claim. In such a scenario, your insurance company will pay for the damages incurred by the third party, under your insurance policy. Listed below are the steps involved in the same:
      1. The first thing to do here is to file an FIR at the local police station. Ideally, the victim will have to do this and keep a copy of the FIR with him/her.
      2. The third party will need the details of your vehicle insurance policy, so that he/she can raise a claim under it.
      3. All third-party liability claims of critical nature are settled in the Motor Accident Claims Tribunal (MACT). The victim will file a case at the tribunal that is closest to the place of the accident or to his/her residence.
      4. The involvement of various parties makes this a very lengthy and strenuous process. So, if there are no deaths involved in the accident, it is advisable to settle this outside court on the basis of a mutual understanding.
      5. It should be noted that there are no specific limits on the maximum compensation amount under a third-party disablement/death claim. The compensation depends on factors such as the extent of disablement and the earning capacity of the victim. For third-party property damage claims, the upper limit is usually Rs.7.5 lakh. However, the actual amount will be decided by the court.
    3. Theft claims - Being victim to a stolen car is one of the worst things that a car owner could be involved in. In case you find that your vehicle is stolen, here is what you should look to do:
      1. First and foremost, lodge an FIR at the nearest police station.
      2. Also intimate the insurance company of the loss. When doing so, you should submit the following documents:
        • A copy of the vehicle’s registration certificate (RC)
        • A copy of your driving license
        • A copy of the FIR
        • The first two pages of your policy document
        • A letter about the theft, addressed to the RTO
      3. The police department will try to trace the vehicle for about 6 months, after which it files a Non Traceable Report.
      4. Following this, the RC will be transferred to the insurance company along with a letter of subrogation.
      5. Once the insurer receives all relevant documents, the claim will be settled.

Motor Insurance Claim FAQs:

  1. What are partial claim settlements?

There may be instances where the insurance company does not pay you the entire claim amount. This is usually seen in circumstances where the level of vehicle damage assessed by the insurer is different from your assessment. The specifics of the incident that gave rise to the claim and the extent of vehicle insurance coverage under your policy also play a part in this. In order to avoid such incidents, it is advisable to be well aware of your motor insurance coverage and the exclusions, in particular.

  1. When should I not raise a motor insurance claim?

In case your vehicle has suffered a minor damage that can be fixed easily at a low cost, then you should definitely refrain from raising a motor insurance claim. You should be aware of the fact that a claim will require you to foot the amount corresponding to deductibles and depreciation of replaced vehicle parts. You will also lose the No Claim Bonus (NCB) that you have accumulated under the policy. So, if you are looking to raise a claim, assess whether the claim amount will be much higher than all the components mentioned above. If not, it makes more sense to pay for the repairs yourself.

  1. What could be the reason for a motor insurance claim rejection?

A motor insurance company could reject a claim on the following grounds:

  • Driving without a valid license
  • Delay in intimating the insurer of the claim incident
  • Using a second-hand car without motor insurance
  • Consequential damages to the car
  • Driving while intoxicated with drugs/alcohol
  • Getting the vehicle repaired without informing the insurance company
  • Using the vehicle beyond the limits specified by the manufacturer
  • Installing of a CNG/LPG kit without informing the insurer

Apart from the above, if the insured vehicle is too old, the repair cost could be very high. In this situation, the motor insurance company may reject the claim.

  1. Can I lodge a consolidated claim for a set of repairs that were done on my vehicle over a period of time?
  2. No, this is not allowed. Each event will have to be notified to the insurer as and when it occurs and a claim should be raised immediately.

  3. Can I raise a claim after the expiry of my motor insurance policy for an event that happened while the policy was in force?
  4. Yes, this is allowed as long as you adhere to the insurer’s general stipulations regarding the timeframe within which a claim should be lodged following an incident.

  5. After I raise a claim under motor insurance, will my renewal be affected?
  6. Raising a claim under your motor insurance policy implies that you will lose the NCB that could give you a significant discount on renewal premium. So, your policy will be more expensive. The claim event also has a considerable impact on the policy renewal process. If you are someone who raises frequent claims, your insurance company may classify you as a high-risk individual to cover. Hence, you may be offered a higher rate on motor insurance.

Motor Insurance Claim Reviews

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  • ICICI Lombard Car Insurance
    "Good Policy."
    0.5 3.0/5 "Satisfactory"
    I have bought my car insurance with ICICI Lombard for last 5 years which I'm continuing for with the same company. The claim experience was better and when i applied for the same, they have given upto 80%. Its covered with bumper to bumper facility. They have given the claim in 1 week.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 22, 2019
  • Royal Sundaram Car Insurance
    "Good policy "
    0.5 5.0/5 "Blown Away!"
    My car insurance was purchased in the year 2014 with Royal Sundaram. My dealer has recommended me about this policy. I pay the premium amount of Rs. 14000 with the coverage value of Rs. 6.27 lakhs which covered with the bumper to bumper facility.
    Was this review helpful? 0
    , ahmedabad
    Reviewed on Jan 22, 2019
  • Bajaj Allianz Car Insurance
    "Good Policy"
    0.5 3.0/5 "Satisfactory"
    I had taken this insurance policy a while back and the premium amount has been quite good and not too high. The payment method has been easy and there has not been any sort of charges, and the policy covers bumper to bumper. Their customer support has also been responsive and was helpful as well.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 22, 2019
  • ICICI Lombard Car Insurance
    "Its Good"
    0.5 4.0/5 "Great!"
    There was no claim experience for my Tata Tiago with ICICI Lombard. I have renewed the car policy at last june, I paid the amount around Rs. 10,600 because its around 1.5 year old vehicle. I took comprehensive plan which includes loss , damage, ICICI Lombard got tie up many showroom.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 21, 2019
  • ICICI Lombard Car Insurance
    "Best cover"
    0.5 4.0/5 "Great!"
    Very recently I took policy from Car insurance for my new Baleno car, it was done by ICICI bank, they deducted insurance fee from the loan. The loan department issued the policy copy on time. For first year its 100% coverage available its a bumper to bumper with ex showroom.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 21, 2019
  • ICICI Lombard Car Insurance
    "Good Car Insurance policy"
    0.5 4.0/5 "Great!"
    I have selected the ICICI Lombard for my car since the dealer has given me this insurance. I have been paying the premium amount of Rs. 15000. This is not covered for the bumper to bumper facility. They have given me a IDV value of Rs, 3.10 lakhs. They are providing the good garage facility all over the city.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 21, 2019
  • United India Car Insurance
    "Yet to experience the policy"
    0.5 3.0/5 "Satisfactory"
    I have applied the claim for my car recently. I have given the car into the showroom and they have asked me to inform in the insurance company. When i visited other branch they have asked me to the home branch. They have given me a sufficient IDV value. Its covered with a bumper to bumper facility.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 21, 2019
  • ICICI Lombard Car Insurance
    "Reliable Policy"
    0.5 5.0/5 "Blown Away!"
    Purchased my car insurance through ICICI Lombard and They have given me a low premium since i have taken a loan from ICICI bank. They have given me a good IDV value. This is a bumper to bumper covered policy. They have given me a road side assistance, no claim bonus benefits.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 21, 2019
  • National Insurance Car Insurance
    "Good Insurance"
    0.5 3.0/5 "Satisfactory"
    My Honda amaze car got insured with National insurance for one year of tenure period. I think my old premium amount was around Rs.30,000. I took first party comprehensive plan it covers for loss, damage, theft. The customer support is good even the IDV is good.
    Was this review helpful? 0
    , bhubaneshwar
    Reviewed on Jan 21, 2019
  • ICICI Lombard Car Insurance
    "Competitive price"
    0.5 5.0/5 "Blown Away!"
    I have taken a car insurance from ICICI Lombard and the service is really good. I spoke wtih the customer care once for the claim. The garage people taken care of the full settlement process. The premium amount is nominal. They have given me a best claim what they can offer according to their norms.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 21, 2019
  • Royal Sundaram Car Insurance
    "Economic offering and wide accessibility"
    0.5 5.0/5 "Blown Away!"
    Because it was good comparison between other companies hence i have chosen the Royal sundaram. The premium amount is reasonable. The IDV value is good. This a comprehensive policy which covers third party insurance. They have tie up with most of the garages. They have cashless facility in most of the places.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 21, 2019
  • Royal Sundaram Car Insurance
    "Average"
    0.5 3.0/5 "Satisfactory"
    I took my car insurance with Royal Sundaram. I never contacted the customer service. It is a default insurance from the showroom. The premium is high because I go for bumper to bumper offer, road side assistance, zeo dep. It is a first party insurance and no claim. The policy period is one year.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 19, 2019
  • SBI General Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    The showroom people has offered me a car insurance policy with SBI. I have made a premium amount of Rs. 22000. They have given me a coverage value of 100%. Total IDV value is 90% of the car value. I have no claim experience till now. The documentation process was done by showroom.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 19, 2019
  • National Insurance Car Insurance
    "Smart protection with National"
    0.5 4.0/5 "Great!"
    The major factor to chose National Insurance because of the premium is economic, I took the policy for 3 years the IDV value remains the same for the whole tenure. The customer support is good on time they activated the policy. I have Tata Tiago , its around four months vehicle. Its zero depreciation comprehensive plan. I taken the policy through showroom.
    Was this review helpful? 0
    , lucknow
    Reviewed on Jan 19, 2019
  • ICICI Lombard Car Insurance
    "Satisfied with the policy"
    0.5 5.0/5 "Blown Away!"
    My car insurance is with ICICI Lombard. The customer services are good and I got the policy documents on time. The policy coverage is good and there are features of a road side assistance is there. The premium is economical too. Good overall.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 19, 2019
  • ICICI Lombard Car Insurance
    "Need to reduce the premium"
    0.5 3.0/5 "Satisfactory"
    I had a car insurance from ICICI LOMBARD which was offered by the showroom at the time of purchasing the vehicle. I felt the insurance premium is very high compared to others. I got a reminder call from the customer service at the time of renewal. It has zero dep for one year.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 19, 2019
  • Tata AIG Car Insurance
    "Excellent"
    0.5 5.0/5 "Blown Away!"
    I took my car insurance from TATA AIG through online channel. They have given lesser premium with zero dep and it includes road side assistance. The customer service is very good. The policy period is one year. I have no claim experience. It is a first party insurance.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 19, 2019
  • Tata AIG Car Insurance
    "Satisfied policy"
    0.5 5.0/5 "Blown Away!"
    TATA AIG is the best company to take the car insurance. Since long time i have taken this insurance. The customer care people used to call me to renew the policy and they used to policy renewal letter. I will do payment through online. Several times i have claimed the policy and i have received very good response.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Jan 18, 2019
  • Universal Sompo Car Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    I had taken this insurance policy a long time back and it has been a good insurance policy. I had been paying the premium online and the payment method has been convenient. There has been a claim made once and the claiming method has been simple.
    Was this review helpful? 0
    , navi mumbai
    Reviewed on Jan 18, 2019
  • New India Car Insurance
    "Comprehensive benefit policy"
    0.5 5.0/5 "Blown Away!"
    My car insurance was taken from New India. I don't speak with their customer care since i don't require it. I had a claim experience which is a easy process without any tension. As per their policy, the maximum claim amount settled. Since they are providing good services i have opted this policy. They have given me a road side assistance and bumper to bumper facility.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 18, 2019
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