How to Claim Car Insurance

Understanding how to claim insurance for your car is an important part of buying motor insurance. In case of cashless claims, take your damaged car to a network garage. The garage will verify your insurance details and then repair your car. Post which, your insurance provider will settle the bills with the garage. In case of a reimbursement claim, you must inform your insurer as soon as there is damage to your car and file a claim form. After the repairs, you must submit all the original bills and receipts to your insurer and upon verification, the insurer will reimburse the cost of repairs to you. 

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What is Car Insurance Claim Settlement?

When we speak of a car insurance claim, it refers to the process by which the insured party files an insurance claim with the insurer, seeking compensation for damages to your car owing to an accident. Given that when you purchase a car, you must necessarily opt for car insurance and pay premiums routinely, it is your right to seek compensation in the event of an accident. You can undertake the car insurance claim process online, and all your bills will be reimbursed.

Types of Car Insurance Claim Process 

When it comes to the car insurance claim process, there are two primary claims that you can file:

  • Cashless Claims

If you already possess car insurance, you can opt for a cashless claim car insurance. In the event of such a claim, all you are required to do is take your vehicle to the nearest registered garage in your vicinity. The insurance company will directly settle all your bills pertaining to the repair of your car.

  • Reimbursement Claims

In the event that you wish to take your vehicle to a garage of your own choosing, or you do not possess the cashless claim facility, you can opt for a reimbursement claim. Once you get your vehicle repaired, you must submit all pertinent bills to your insurer, who will then proceed to reimburse you for the entire amount.

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How to File a Cashless Car Insurance Claim

When opting for a cashless claim, here are the steps to claim car insurance:

 

  • Step 1: Start by informing your insurer about the claim. You can do so online or by contacting their customer care team.

  • Step 2: A surveyor from the insurance company will assess the damage and make a report.

  • Step 3: Once the insurance company assesses the report, they will then sanction repairs in the network garage.

  • Step 4: You will have to submit a claim form, and the insurance company will then settle your bill with the network garage.

How to File a Reimbursement Car Insurance Claim

When opting for a reimbursement claim, here are the steps to claim car insurance:

 

  • Step 1: First, inform your insurance company about the claim. To do so, you can visit their website or call their customer care team.

  • Step 2: In the case of an accident, make sure you file an FIR.

  • Step 3: Your vehicle will be towed to the nearest garage, and a professional will assess the damage.

  • Step 4: Once your car has been repaired, make sure you retain all bills.

  • Step 5: When submitting your claim form, also submit all pertinent bills. You will be reimbursed for your expenses after you pay for the associated deductibles.

Documents Needed to File a Car Insurance Claim

If you are claiming insurance for car damage, you must furnish the following documents:

 

  • Details of your vehicle

  • Vehicle insurance policy

  • All insurance-related information

  • Details of the accident

  • An FIR report, if necessary

  • Original bills and receipts

Reasons for Car Insurance Claim Rejections

Your car insurance claim can possibly be rejected for the following reasons:

 

  • If you are found guilty of driving without a valid driving licence

  • If your vehicle is damaged due to reasons outside the policy’s jurisdictions

  • If you are found guilty of driving under the influence of alcohol or other substances

  • If you furnish wrong information while filing the claim

  • If you repair your vehicle without first informing the insurer

Tips to File a Car Insurance Claim Successfully

When claiming insurance for car damage, the following tips can come in handy:

 

  • In the case of minor damages, pay for the expenses yourself, and avoid raising a claim to keep your NCB intact.

  • Ensure that you retain all original documents.

  • Make sure to follow up regularly with the insurer.

Car Insurance Claim During Accidents

Accidents can occur due to various reasons and can be due to your own fault, or a third party’s fault. In the event of an accident, here is how to file a car insurance claim:

 

  • Ensure you inform the insurer of the date – mentioning the exact date, time, and location of the accident.

  • Ensure that you file an FIR with the police.

  • The insurance company will send a surveyor to assess the damage to your vehicle, and will make a report of the same.

  • If you have filed a cashless claim, your car will be repaired by the nearest network garage, and the insurance company will foot the bill.

  • If you have filed a reimbursement claim, once you have repaired your car, the insurance company will reimburse your bills.

Car Insurance Third Party Claim

If you get injured, or your car gets damaged due to a third party, you must immediately notify your insurer and also file an FIR report. To file a car insurance claim in such a situation, you must necessarily furnish the following documents:

 

  • Duly signed claim form

  • Copy of your car’s registration

  • Copy of your policy

  • Copy of the FIR report

  • Copy of your driving licence

Car Insurance Claim During Theft

If in case your vehicle has been stolen, you must immediately file an FIR with the police. Next, you must proceed by informing your insurer of the same. The police will try locating your car, and if they fail to do so, they will create a ‘No Trace Report’. In this case, the insurer will also request you to submit your car keys, a copy of the FIR report, and the details of your vehicle’s registration. You will be duly compensated based on your car’s IDV (Insured Declared Value).

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FAQs on Car Insurance Claim

  • ✔️Can I claim car insurance even for scratches?

    Yes, you can do so only if you possess comprehensive coverage or standalone own damage coverage.

  • ✔️What documents do I need for a car insurance claim?

    For a car insurance claim, you must furnish the FIR report, duly signed insurance claim form, policy documents, and original bills.

  • ✔️How quickly can I expect my claim to be processed?

    This varies from insurer to insurer, from a few days to a few weeks or months.

  • ✔️Can my car insurance claim be rejected?

    Yes, it can be rejected, if you are found guilty of driving without a valid license, driving under the influence of substances, if you furnish wrong information while filing the claim, or if you repair your vehicle without informing your insurer first.

  • ✔️What are the two main forms of car insurance claims?

    The two forms of car insurance claims are cashless claims, and reimbursement claims. In the former, the insurance company directly settles your bills, and you do not incur any expenses. In the latter, once you make payments for the repair, your bills will be reimbursed by the insurer.

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