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How to Check New India Assurance Company Claim Status?

The risk of uncertainty encircles your life and property. In the event of any financial or non-financial loss, only insurance will support you and your family to minimize the damage. In your endeavor to choose the best insurance policy for you, your family, or your vehicle; you might fall for the promises of an insurance agent. In today's insurance market, there's no shortage of insurance policies from various companies.  If you need to buy an insurance policy for claims settlement especially customized for your personal needs, New India Assurance should be your first choice. Your New India Assurance agent’s role would start even before the inception of the policy. What you can expect from New India Assurance agent is a very personalized experience and information on that specific policy that can fulfill your needs.

You can rest assure that you are getting the right insurance policy before putting your signature.

New India Assurance Company

When it comes to general or non-life insurance, New India Assurance Company has been India's favorite choice for more than four decades. Apart from India, New India Assurance Company today operates in 28 countries. It is one of the direct insurers in India, which has been rated A by the AM BEST Company since the year 2007. This rating demonstrates the fact that the company has the highest degree of financial strength, premium, reserves & net worth that can sustain it for many years.

Importance of Car Insurance

In India, especially in the middle class, welcoming a car into your family is like welcoming a new family member. Therefore, just like you would want to insure every member of your family, it is vital to choose a good car insurance plan that covers all damages in unforeseen situations. If you buy your Car Insurance from New India Assurance, it will ensure that your car is covered against its damages, as well as third-party damages. Car Insurance from New India Assurance will cover your car for not just the claims settlement, but also the towing charges.

Private Car Insurance Plans by New India Assurance

Broadly, you can avail from two categories of insurance under the purview of New India Assurance.

Liability Only Insurance Policies

  • Damage to third-party property
  • Death or bodily harm to a third-party person

Packaged Insurance Policy

  • Damage to third-party property
  • Death or bodily harm to a third-party person
  • Earthquake and other Damages
  • Flood, Cyclone, Typhoon, Storm, and Hailstorm
  • Accidental damage through external means
  • Damage by landslide or Rockslide
  • Fire, ignition, explosion, or lightning
  • Strike and Riot
  • Robbery, housebreaking or theft
  • Terrorist Act
  • Malicious Act
  • While in transit by road, lift, elevator, inland waterway or air

Private Car Insurance Policy by New India Assurance can be customized for your private vehicle to get insurance. The different categories of car insurance plans from New India Assurance will help you in case of an accident or misfortune.

Riders with Car Insurance Coverage - Personal Accident Cover

This insurance policy will cover any injuries or property damages to the owner or driver, passenger, and paid driver. The extent of personal accident cover is a sum insured of Rs. 2 lakhs in case of accidental death or permanent total disability at a premium of Rs. 100.

Optional Riders with Car Insurance Coverage

This insurance policy will cover any passenger or occupant with a sum insured of Rs.2 lakhs for each occupant at a premium of Rs.100 per occupant.

Paid Driver cover- Legal liability cover: This policy will cover liability cover for a paid driver with a premium of Rs.50 annually

No Claim Bonus Protection Cover

This insurance policy is the reduction on the premium that New India offers to its policyholders. This reduction can be availed if the policyholder doesn't claim anything during the year. In the second year, the discount on premium is 20 percent. This goes up to 25 percent in the third year. Similarly, it will keep on increasing.

How to Register Your Claim with New India Assurance

When it comes to fulfilling the policyholder's obligations or settling the insurer's claims, New India Assurance Company has been rated AAA - Stable by CRISIL since the year 2014.

In the event of any damage giving rise to a claim under your Insurance policy, you should follow the below-mentioned steps:

  • Take steps to reduce the loss
  • Inform New India Assurance immediately
  • Fully cooperate with the examiner of New India Assurance.You can expect the examiner to serve you like your family doctor or private chartered accountant.

You may or may not be well versed with all the insurance terminologies of New India Assurance. You can expect the examiner to assist you in the process of documentation at the time of striking a claim.

  • Submit the completed claim form along with all necessary documents to validate the financial loss suffered to you and your vehicle.

Let us Explained the Steps Mentioned above in a More Detailed Manner

Contact New India Assurance through any of the following ways:

Website – www[.]newindia[.]co[.]in

Email address- motor[.]nia[@]newindia[.]co[.]in

Submit the completed claim form along with all following necessary documents as per the situation:

Claims in the Case of Accident

  • Contact New India Assurance
  • Submit the claim with the Claim Form
  • Submit the copy of Driving License, Registration Certificate book, the Policy document.
  • Submit the FIR copy, if required.
  • Name & contact details of people and vehicle number involved in an accident with your car.
  • Submit the Cash memos, Original and final restoration Bill.
  • Original invoice and payment receipt, in case of receipt mentioning the approximate repairs.
  • Any salvaged parts of your car that are damaged and have to be handed over to New India Assurance until your claim is approved.

Claims in the Case of Theft

  • Contact New India Assurance
  • Submit the claim with the Claim Form
  • Submit Original keys of your car with Copy of your Driving License, Registration Certificate book, and the Policy document
  • The local Police FIR copy
  • Submit Form 28, 29, 30, and Form 35.
  • Submit No Trace Report of the insured car from the local police.

Claims in the case of Third-Party Claims

  • Inform New India Assurance if any incident occurs wherein a liability claim can be prepared.
  • If you receive a directive from the court, you should send the same to the New India Assurance.
  • Submit the Police FIR copy
  • Submit the Claim Form, copy of your Driving License, Policy, and your car's Registration Certificate book
  • After your claim is approved, you will need to transfer your car's registration certificate to New India Assurance.
  • Hand over your car’s keys.
  • Lastly, submit Subrogation letter and Indemnity letter on the stamp paper which is duly notarized by the Authority.

Step by Step Guide to Claim

  • First and foremost record your claim by calling New India Assurance
  • Meet the assessor and take your car to any of the authorized garages of New India Assurance Car Insurance. The assessor will explain to you with all the benefits and all available alternatives
  • Submit the documents that are mandatory to the assessor
  • Once it is confirmed by New India Assurance, it will pay the repair bills
  • In case you have not opted for cashless Car Insurance, you have to pay for the charges. Submit the bills with the claim form to the company for final settlement
  • New India Assurance will analyze your exiting plans and then do a comprehensive financial settlement for you
  • In case of an exigency, the assessor will assist your nominee or family member in settlement of the claim.
  • After the final settlement, you can take the delivery of your car.

The Omission of the Insurance Claim Process

In a few cases, New India Assurance has the right to reject your claim

  • Damage when you are driving without a valid driving license
  • Damage when you are drinking and driving
  • Wear and tear electrical breakdowns of your car
  • Claims arising out of contractual liability
  • Damage during the war, civil war, etc.
  • Use of your car and not complying with laws of use, like, using a private car as a taxi
  • Carelessness on your part or driver in case of theft or damage.

Summing it Up!

You have been informed about the importance of insurance and advantages of New India Assurance Insurance plans. In today's world, information is readily available online, and New India Assurance has developed user-friendly portals for you to purchase and claim insurance. The complete package of New India Assurance offers you additional financial security. Moreover, being a government-owned company, the surety of claims settlement and your peace of mind are unrivaled. Some of the prominent features of New India Assurance Car Insurance are mentioned below:

  • The instant paperless renewal that is hassle-free
  • Immediate and convenient claim settlement

Therefore, if you prefer a car insurance policy with the guarantee of claim, New India Assurance should be your number one choice. The hidden benefit is that your claim will never be canceled due to documentation. Opting for insurance plans from New India Assurance is undoubtedly the smartest way of managing your car finances and cover all future damages.