Overview
In case you lose your car or if it gets damaged in an accident, you can claim the money for the same from your insurance company. Claims is an important part of any insurance and this one reason why Liberty General Insurance offers the simplest claims process to their Motor Insurance policyholders.
Claim Process of Liberty General Insurance
To make a claim on your car insurance from Liberty General Insurance, you have to follow the steps mentioned below –
- Inform the company and make a claim immediately in case of loss or damage of your car. You can do so by contacting on the toll – free number of the insurer or by visiting their nearest branch or office. You can also make claims via email or by posting a letter to the registered/branch office of Liberty General Insurance
- When you register the claim with the company, their representatives will contact you and guide you through the process
- The insurer will arrange for a survey of the incident within 24 hours, if it occurred within your city limits. If the incident occurred outside your city limits, then the survey will be arranged within 48 hours
- Once your car is transferred to a garage, you will have to submit a list of documents to the insurance company’s surveyor for the purpose of verification
- If you take your car to a garage that is part of the insurer’s network, then your insurer will pay the amount directly to the garage as per the policy. In case there is a difference in the total bill after deducting the amount that has to be paid by the insurer, then you have to pay that amount to the garage
- If you take your car to a garage that is not part of the insurer’s network, then you will have to pay the amount first to the garage and the insurance company will reimburse the amount to you within 7 working days (starting from the date you submitted the documents)
Information Required
When you make a claim on your car insurance, you have to give the following details to Liberty General Insurance –
- Policy Number of your Motor Insurance
- Name of the insured
- Contact details of the insured
- Car Registration Number
- Loss or damages description
- Estimated loss amount
- Address of the place where the accident or loss occurred
- Address of the place where your car is available for assessment
- Name of the person driving the car when the accident took place
- In case of loss of car, name of the person who last had the car
- In case the person making the claim is not the insured, then their name, contact details and relationship with the insured customer has to be provided
Documents Required to claim Liberty Car Insurance
To process your car insurance claim, you to submit the following documents –
| List of documents required | In case of accident | In case of theft |
| Claim Form | Required | Required |
| Original RC Book (Registration Certificate) along with a copy (If your car has been stolen, then you have to surrender your RC Book) | Required | Required |
| Original Driving License along with a copy | Required | Required |
| FIR from the police (if needed) | Required | Required |
| Fire Brigade Report (if needed) | Required | Required |
| In case of reimbursement claim, original bills | Required | Required |
| Damaged car photographs | Required | Required |
| Full set of car keys | Not Required | Required |
| In case of loss of your car, then Final Report – No Trace Report for lost vehicle from the police | Not Required | Required |
| In case total loss/theft, Power of Attorney and Subrogation | Required | Required |
| Indemnity Bond | Not Required | Required |
| In case of theft/total loss, then NOC from lender | Not Required | Required |
| Discharge Voucher | Required | Required |
Frequently Asked Questions (FAQs) on Libery Car Insurance Claim
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My car was involved in an accident with a bike and the biker is hurt. What do I do in this case?
In cases where a third party is involved, you have to immediately register a police complaint first and then contact your insurer and register the claim. Give the detail of the victim and the hospital where he or she has been taken for treatment to the insurance company.
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What do I do in case my car gets stolen?
In case your car is stolen, you have to first report about the same to the police and then make a claim by contacting your insurer.
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When will the insurance company survey my car after I register the claim?
Once you register the claim with the insurance company, their representative will contact you and fix the survey time.
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My car was repaired in a garage that is not part of the insurance company’s network. How will the insurer reimburse the claim money in this case?
In case your car was repaired in a garage that is not part of the insurance company’s network, then the insurer will ask you to submit the original bills. They will then reimburse the claim money directly to your bank account via RTGS or NEFT.
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Where can I find the claims form for Liberty Car Insurance?
You can download the claims form for Liberty Car Insurance online from their website. The claims form can also be availed from any branch of the insurance company.
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GST Update: GST of 18% is applicable on car insurance effective from the 1st of July, 2017
