A car insurance claim is a process wherein an insured asks the car insurance company to compensate him/her for the damages that are sustained by his/her car after an accident. Or at times, it is when the insured asks the insurance company to represent him/her or intervene on his/her behalf when the insured is responsible for any unintentional damages caused to a third-party. Since one pays car insurance premium, it is one’s right to make a claim when he/she is involved in an accident. >
There are two types of claim processes for a car insurance policy, they are:
In cashless car insurance claims, an insured does not have to pay upfront for the repairs at the network car garages of the insurance provider. It is the car insurance provider who settles the claims with the workshop on behalf of the policyholder. However, the damages must be covered in the insurance policy taken by the insured.
For claim reimbursement, an insured has to pay for the repairs of the damage. And later, depending upon the terms and conditions of the car insurance policy, a reimbursement claim is made. In this type of car insurance claim, an insured does not need to get his/her car repaired at a network car garages of the insurance provider. However, the insured needs to submit the bills and repair receipts with the policy provider.
Follow the below steps to avail cashless claims for car insurance:
NOTE:In the case of a cashless claim, the damaged vehicle is repaired at an authorized garage only. And, the insurance company will settle all the bills of the garage directly.
Follow the below-mentioned steps in order to avail reimbursements claims for a car insurance policy:
There are quite a few duties of an insurance surveyor or loss assessor. However, this here is not an extensive list of the same. Instead, it discusses some major responsibilities of this role.
Claim form signed by the insured.
The copy of RC of the vehicle with its original keys
Copy of the driving license
Original policy copy
The original FIR copy in case of theft
Photocopies of the PAN card, driving license, and registration certificates of the insured