Car Insurance Claim Process – How to claim Car Insurance?

How to file a car insurance claim? Well, it is one of the frequently asked questions by many people. A car insurance helps to compensate damages or losses incurred during the car accident. The losses are compensated by car insurance company on filing claim. One should know the process of car insurance claim before opting for car insurance. Here is a complete guide explaining Types of Car Insurance Claims and process of filing an insurance claim.

car insurance claim

Types of Car Insurance Claims

There are two types of car insurance claim process. The details are given below.

Car Insurance Cashless Claims

The first type of car insurance claim is a cashless claim. In this claim, you have the compulsion to use network car garages for vehicle repair. In this claim, car insurance provider settles the claim with the garage on behalf of the policyholder. You need not pay any money. The entire process is cashless.

Car Insurance Reimbursement Claims

The second type of car insurance claim is reimbursement claim. In this claim, you can use any garage for vehicle repair. In this claim, you need to settle the claim to workshop or garage. At a later stage, you need to file a claim based on terms and condition. However, you need to submit the bill and repair receipt with the policy provider.

Also Read – Best Term Insurance Plans in India 2019

How to file Car Insurance Cashless Claims?

Follow the steps given below to file a cashless claim of car insurance.

  • Register the cashless claim by calling the insurance service provider using toll-free number or via website, email or mobile app.
  • Once the claim is registered, you will receive a claim registration number along with surveyor details via SMS or E-mail. You can use this claim settlement for future communications/references.
  • You need to take the damaged vehicle to the nearer authorized network garages of the insurance provider.
  • You need to submit all required documents to the surveyor. The document details are given below.
  • Once a survey is completed, car insurer confirms their liability.
  • After approval car repairs take place.

How to file Car Insurance Reimbursement Claims?

Follow the steps given below to file car insurance reimbursement claims.

  • Register the claim by calling the insurance provider on its toll-free number or using the website or by email.
  • Once the claim is registered, you will receive a claim registration number along with surveyor details via SMS or E-mail. You can use this claim settlement for future communications/references.
  • You need to take damage vehicle to any car garage for repairs.
  • You need to submit all the required documents with the surveyor.
  • Once the survey is completed, you need to get your car repaired. Once it is repaired you need to settle the bill.
  • The bill along with a repair receipt you need to submit to the car insurance company for the reimbursement process.

Documents Required

You require following documents for filing a claim.

  • Claim form signed by the insured
  • Original policy copy
  • The copy of RC of the vehicle
  • Copy of the driving license
  • Photocopies of the PAN card
  • The original FIR copy in case of theft

Do & Don’ts for Car Insurance Claim

  • FIR is mandatory in case of a fatal accident. So, in case of an accident causing property damage or life, you need to contact the police station and raise FIR.
  • Go through policy document and verify that you have a normal policy or zero debt policy. Zero debt car insurance provides complete coverage.
  • Be honest and prompt to raise policy claim. Don’t delay claim. It may lead to rejection.
  • Maintain the original/copy of repair bills and receipts till you get a final settlement.

Article by Raviraj

Raviraj is the man behind moneyalpha.com. He is graduate in finance, engaged in blogging since 6 years. He is not affiliated with any financial product, service provider, agent or broker. The purpose of this blog is to spread financial awareness and help people in achieving excellence for money. Please note that the views expressed on this Blog/Comments are clarifications meant for reference and guidance of the readers to explore further on the topics. These should not be construed as investment advice or legal opinion.

Subscribe to Blog

Enter your email address to subscribe to this blog and receive notifications of new posts by email.

Leave a Reply

Your email address will not be published. Required fields are marked *