How to claim car insurance

According to the Motor Vehicle Act 1988, it is mandatory to have a car insurance policy if you own a car. Having a car insurance policy is important as it provides you coverage in case your car gets damaged or stolen, or is involved in damaging the property of a third-party victim.

*There are various types of car insurance claims that are made based on the damage that has occurred. Given below are the procedures for a few commonly occurring claims.

Own damage or cashless claims

In case your car meets with an accident or is damaged, you must, first of all, inform the insurance company about it, who in turn will send an inspector or a surveyor to inspect the damage caused. Based on the damage, the surveyor will determine the cost of repair. You will also have to submit the necessary documents such as a copy of an FIR, policy documents, etc. The car will be then sent to a network repair shop, the cost of repair will be paid directly by the insurer if you have opted for cashless claim insurance.

Car insurance reimbursement claims

If you have opted for this type of claim service, then you can get your car repaired at any repair shop of your choice and submit the bills to the insurance company. However, you must inform the insurer about the damage to your vehicle before sending it for repair. Based on the conditions mentioned in your policy, the insurer will go through your documents and bills, and if they are found to be correct, then they will reimburse the amount spent by you to repair your vehicle.

Theft claims

In the event of your car getting stolen, you can inform the insurer about the same to claim the insurance amount. You will have to immediately inform the insurance company and submit an FIR along with other policy documents. In some cases, you will also be required to submit your car keys as well as inform the transport department.

Third party claims

In case your vehicle is involved in damaging the property of a third-party victim, or causing injury to the victim, inform the insurer immediately. A surveyor will inspect the damage and accordingly compensate the victim. In case you are the victim, immediately note down the offender’s car number and contact the insurer of the car owner.

Documents required for car insurance claim submission

  • Policy documents
  • Copy of FIR
  • Driving license copy
  • Registration certificate copy
  • Claim form signed by the policyholder
  • Copy of other documents such as PAN card
  • Payment receipt

Reasons your application for a claim may get rejected

  • There are certain reasons the application for your claim may get rejected. We will list down some of them below:
  • If you don’t have a valid driving license.
  • If you delayed in informing the insurance company regarding the damage caused to your vehicle.
  • Your car is second-hand but you don’t have a policy for the same.
  • If your vehicle is too old.
  • FAQs

    1. What documents should I keep with me at all times while driving?
    2. You must keep your driving license, registration certificate, and Pollution Under Control (PUC) certificate while driving.

    3. How can I contact my insurer if damage has been caused to my car?
    4. You can use the insurer’s mobile app or call on their toll-free number to inform about the accident.

    5. Can I file a claim if I damaged my car while driving under influence?
    6. No, you cannot file for a claim in such cases as it is most likely to be rejected if you file one.

    7. Can my application for claim get rejected if I have installed an unregistered CNG kit?
    8. Yes, the insurance company can reject your application for a claim, if you have installed an unregistered CNG kit.

    9. I did not inform my insurer about the damage to my car but got it repaired. Can I claim insurance?
    10. No, your application for a claim, in this case, is most likely to be rejected. You will have to inform the insurer about the damage to your car immediately so that they estimate the cost of repair for the damage caused

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

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