United India Car Insurance Claim

Documents Required for United India Car Insurance Claim

To successfully raise a United India car insurance claim, one needs to have certain documents ready at hand. They are as follows:

• Duly filled and signed United India car insurance claim form
• The registration certificate of the car is mandatory.
• Another mandatory item is the driver's license.
• A copy of the car policy is required in the original.
• The original copy of the FIR is also mandatory.
• Bills and estimates of repair done in a non-network garage.

Types of United India Car Insurance Claim

A United India car insurance claim can be made in two ways: cashless claims and reimbursement claims. Both these types of claims are explained below

1. Cashless Claim Settlement

   A cashless claim settlement can be opted when the policyholder gets the insured vehicle repaired in the insurer’s network garage. Cashless refers to the claim when the insurer pays for the claim amount directly to the garage. Thus, it becomes cashless for the policyholder as they are not required to pay from their pocket.

2. Reimbursement Claim Settlement

   This type of claim can be opted when the policyholder gets his/her car repaired outside the insurer's network garage. In such a claim, the policyholder must pay for repairs from his/her pocket. After the repairs are completed, the insurer reimburses the claim amount to the policyholder upon verification of repair bills.

How to File a United India Car Insurance Claim?

Claim for United India Car Insurance is an extremely easy process that one needs to follow step-by-step. All the requisite steps are given below:

1. Accidental Claims

   • Contact Insurer: The first step involves contacting the insurer about the accidental damages.
   • Vehicle Survey: The surveyor will complete a survey of the damages. They will do so and send the report to the insurer. Only then will further process follow.
   • Arrange the Documents: Keep all the documents ready, as mentioned above. Having them in time can save a lot of hassle.
   • Repair: Send the car to the network garage for repairs.
   • Settlement: After the repairs, the claim amount will be settled in a cashless manner to a network garage or reimbursed to the policyholder in other cases.

2. Third-Party Claims

   • If your insured car has met with a third-party accident, it needs to be informed to the insurer as well as Motor Accidents Claims Tribunal
   • Also, make sure to file an FIR for the accident at the nearest police station
   • The claim will then be registered in the court, and a hearing will occur
   • The MACT will decide on the compensation amount to be paid to the third party
   • The insurer will then pay the claim amount, and the third-party claim will be settled.

   For a swift claim resolution, ensure that you renew car insurance by United India General Insurance company before its expiry.