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

What To Remember When Filing A Car Insurance Claim

 4.5 / 5.0   by 2313 users
Used this product? Write a review >>

Policy Coverage

Customer Service

Claim Experience

Responsiveness

Cashless Garages

No matter how rosy a picture may have been painted for you, getting a car insurance claim settled can be a stressful process. However, not every insurer is out to swallow your hard earned money. It is possible for you to have a favourable experience in terms of getting your car insurance claim settled. All it takes is being aware of the details involved in the process and you’ll be better armed to deal with any car insurance claim settlement woes that may come your way.

Now, it is not entirely uncommon to have a car insurance claim rejected. It happens often and someone you know may have had that happen to them. It also often happens, that when a car insurance claim is rejected, the policyholder is unable to comprehend the reason for it, which can only add to the feeling of frustration. However, there are a few things that you will benefit from being aware of about car insurance claim settlement approval.

Why Do Car Insurance Claims Get Rejected:

As every car insurance policyholder would know, a car insurance policy covers damage or loss caused due to certain perils. The policy also mentions a list of exclusions which are basically perils and causes against which the policy does not provide cover. Generally, your average car insurance policy will cover loss or damage that has been caused due to accidents, theft or by a third party. If you raise a claim to cover a damage caused due to war, the claim will be rejected. This is because damages caused due to war are a part of the exclusions mentioned in the policy, which are not covered. Also, it would be foolish to expect your car insurance provider cover any damage or loss that has been caused following the routine wear and tear of the vehicle over a period of time and use.

What To Remember When Filing A Claim:

Provide Accurate Documents, Even When Applying Online

If you are purchasing your car insurance policy online, you may not be required to produce all the documents which you may otherwise have to when applying at the insurer’s branch. However, this doesn’t give you the liberty to provide wrong or incorrect documents for insurance purposes. This can very well lead to your claim being rejected in case you file for one and the insurer finds out that the documents provided by you are incorrect, false or even fake.

Go Through Every Word Of The Policy Document

One thing that every policyholder must keep in mind is that not always will the insurer see your claim as valid. One of the primary reasons for claims being rejected is when the policyholder is not aware of the policy inclusions, exclusions and terms. Insurers are very familiar with the terms and conditions of the policy and are better equipped to pick a point and can build it up to reject your claim. To prevent this, it is advised that policyholders go through each and every word of their policy document so they are aware what will be covered and what won't. If you are not very sure of what the policy mentions, feel free to take help from a broker or agent who will be well-versed in insurance lingo to explain it to you and help you out.

Keep All Invoices & Receipts

If your vehicle is fitted with additional accessories such as anti-theft devices, an expensive stereo system or anything else that does not come factory fitted in the car, it would be a good idea to have those accessories covered under an add-on cover. However, in case you ever have to make a claim towards the damage or loss of those accessories, you will need to present the bills or receipts for the purchase of those accessories. then you must have all the bills and receipts for them. Otherwise, the claim is likely to be rejected.

Adhere To The Claim Intimation Time Window

Insurance companies usually specify a time duration of 48 to 72 hours within which policy holders must inform the insurer about any incident or accident that has occurred. However, the failure to do so may not necessarily result in your claim being rejected, but in case something happens to your car which is not covered under the insurance policy, you could stand to have your claim rejected for the initial accident which may be covered by the policy.

Give Necessary Details

Provide your insurer with all the necessary details regarding the claim. However, be aware of the exclusions and terms and conditions of the policy while doing so. This does not mean that you lie to the insurer about the details of an accident following which a claim has been raised.

File An FIR Immediately In Case Of A Stolen Car

In case your car has been stolen, it is obvious that you would be under great stress. However, do not forget to file an Fir at your nearest police station as the same is necessary to file a claim, particularly in case of a theft. Without an FIR, filing a claim or getting it approved could be a task.

Take A Separate Cover For Co-Passenger Protection

If you wish to get cover for the co-passengers travelling in your car, you must get separate co-passenger cover for them. If you do not have the appropriate cover for your co-passengers, then the insurance company can very well reject your claim you make for injuries sustained by them in case of an accident.

Driving Under Influence

In case your vehicle has suffered damages due to being involved in an accident, but was being driven by someone in an intoxicated state, the insurance company will reject your claim outright. Also, if the driver was driving without holding a valid driving license or without the documents of the vehicle (registration certificate, insurance document, etc.) at the time of the accident, the insurer will reject the claim.

Common Mistakes To Avoid:

Getting your car insurance claim approved does not have to be difficult. Here are some common mistakes which you must avoid in order to have your claim approved.

  • Does not matter if you have purchased a new car or a pre-owned one, if you forget to get the car’s insurance policy transferred to your name, you will not stand a chance to make a claim in case of damages. The policy itself will be null and void because it will not carry your name as the owner of the vehicle.
  • If your car has met with an accident but the damages caused are minor, you can either not file a claim and get the damages repaired out of your own pocket. Or, if you do decide to file acclaim in case of whatever damage, the insurance company must be informed about the same within the specified time window. If you inform the insurer after a week of the damage having occurred, your claim is likely to be rejected.
  • Some other no-no’s which can get your claim rejected include using your personal car for commercial purposes, especially when your insurance policy specifically prohibits it. Also, if your car is damaged while being parked in a no-parking zone or if the car suffers damages while being used by a number of passengers which clearly exceeds the car’s capacity, your claim is probably going to be rejected.
  • If you have installed an LPG/CNG kit in your car, you must inform your insurer about the same at the time of taking the policy. Or else, your claim may be rejected.

Conclusion:

Getting a car insurance claim approved can be tricky business, but if the insurer reject your claim, you do not necessarily have to accept it. Nothing is etched in stone here and you can always approach your insurance company to work out the solution for a rejected claim or understand the reasons why your claim has been rejected. Get help from those who are well-versed in insurance matters to help you out.

GST Update: GST of 18% is applicable on car insurance effective from the 1st of July, 2017

Claim Reviews

Page 1 of 50 1 2 3 4 5
  • HDFC Ergo Car Insurance
    "Need to reduce the premium"
    0.5 4.5/5 "Excellent!"
    I had a car insurance with HDFC Ergo and I felt the premium is very high hence I changed my insurance provider. The customer service is very good. There was no claim experience. The policy period is one year. It is a zero dep policy which includes bumper to bumper and RSA. It is a first party insurance.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 23, 2019
  • New India Car Insurance
    "Good"
    0.5 5.0/5 "Blown Away!"
    My car insurance was recently purchased with New India Assurance through online. When I logged into the online site it gives better option with multiple insurer and I felt New India Assurance is good with reasonable premium and better benefits. I have paid 13,500 rupees for a year. I got the insurance paper. The claim experience is very good.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 23, 2019
  • 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
Common Loader Icon
Page 1 of 50 1 2 3 4 5

Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

reTH65gcmBgCJ7k
This Page is BLOCKED as it is using Iframes.