Insurance Claims Process: Browse our step by step guide on car insurance claim process in India.
What is an Insurance Claim?
An insurance claim is an official request that a policyholder makes to the insurance company for the compensation of the damage incurred by them. The compensation is provided as per the coverage guaranteed to the policyholder by the insurance company under the insurance agreement.
An insurance claim can be made in 2 ways - in a cashless manner and in a reimbursement manner. In case of car insurance, when a policyholder gets their car repaired at a partner garage of the insurance company, then the claim is settled in a cashless manner as the insurance company pays directly for the incurred repair expenses to the garage.
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Step 1: Inform The Insurance Company
Call your car insurance company immediately and intimate them about the incident in the first place. As the timeline is restricted, within the seven working days, you need to inform the insurer regarding the accident, failing which your claim settlement period is considered lapsed. To raise a claim, you need to submit vital documents like softcopies of your driving license, car registration certificate, FIR along with the first two pages of your insurance policy. You might also need a detailed letter addressed to the Road Transport Office (RTO).
Step 2: Lodge An FIR In The Nearest Police Station
Inform the police and file an FIR as this is a mandatory step in the car claim settlement process in events like theft, fire, or road accident, including the third party damage. The FIR can be avoided in situations where there are dents and scratches on the vehicle. It is a must when there is any physical injury or third party accidents. The police will visit the spot to identify the faults and make a clear distinction of whether the accident happened due to mechanical failure or not. It will also record all the essential details of the driver, the vehicle, passengers, and witnesses or other aspects in the FIR.
Additionally, you need to file a case to the Motor Accident Claims Tribunal having jurisdiction area where the accident happened between you and the third party. It is only required when a third party is involved in an accident.
How to claim motor accident insurance without lawyer in india
Step 3: Capture Photographs As Valid Proof
Some people prefer to proceed with a reimbursement claim. In these type of cases capturing the scene of the events with a photograph can be helpful. You can snap a few pictures of the accident which involve your car damages, bodily injuries etc., and serve as valid proof during claim settlement. Besides, you can note down the name, contact number of your witnesses, third party (if any involved) so that it can help you in the entire procedure.
Step 4: Submit All The Documents To The Insurer
The next step after the FIR is to proceed towards claim settlement. It can only be initiated once you submit all the crucial document to the insurance company. Make sure to submit all the copies of documents like driving licence, car registration certificate, FIR, and other required information.
Step 5: Ask The Insurance Company To Send A Surveyor
File a claim from your insurance company and ask them to assign you with a surveyor, to begin with, a thorough inspection process. You can also raise the claim online by visiting the website or other web portals of the insurance company if they provide any such facility. In case of a cashless claim settlement, a representative will be sent by the insurance folks who will try to asses all the significant damage that has been incurred to your car. He will assist with the right network of the garage where your car can probably be towed down. Towing by the insurance company will be done to ensure that there are no further damages on the vehicle. The survey typically takes places within one-two working day of the car insurance claim intimation.
Step 6: Car Repairs
Get you car repaired and initiate the claim process. The claim settlement can be done in two processes. If someone prefers a cashless claim, then they do not require to bear the burden of repairing cost. In such cases, it is recommended to take the vehicle in the list of network garages prescribed by the insurance company. The policyholder only needs to pay for deductibles and the rest is covered by the insurer. On the other hand, if someone proceeds with reimbursement claim, he/she needs to pay from his own pocket for all the damages. In this case, he must submit original bills, receipts, medical reports, photographs, etc.to the insurance company. The insurer will reimburse all the repair amount after subtracting all the deductibles. Here the policyholder can repair his car at the preferred garage.
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How to claim motor accident insurance without lawyer in india
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Shortlist: You can view all your shortlisted insurance products by clicking on this button.
My Account: The dedicated My Account button on the app gives you access to your policy purchase history, your searches, your vehicle information, your credit, and your financial score.
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How to claim motor accident insurance without lawyer in india
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