Car Insurance Claim Process - A Step By Step Guide For Claims

Motor insurance is compulsory in India. With the growth in sales of new cars the car insurance policies are one of the most purchased insurance products. As a result, motor insurance claims are also increasing every month. But many a time, the policyholders do not know exactly what they can do to get their car insurance claim. If you too want to know about the procedures, take a look at the claims processes explained below.

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Car insurance claim for damages to your own car

  • First and foremost, please intimate the insurance company about the accident on their toll free no./email at the earliest. You will have to submit a duly filled in claim form along with the requisite documents to the insurance company and take your car to the workshop and get an estimate of the damaged vehicle. The forms are available on the insurers’ websites as well as at their offices. The insurance company will send a surveyor to assess the damages. The surveyor will prepare a report and pass it on to the insurer and you will also receive a copy. Based on the surveyor’s report, you can get your car repaired.
  • After the work is completed, you will have to give the surveyor the duly signed repair invoice and payment receipt and other documents, who in turn will send it to the insurance company.
  • If all the documents are in place, the insurance company provide a Delivery Order (DO) in case of cashless and you can take your car after paying your share of expenses to the workshop.
  • In case of reimbursement you can make the payment to the workshop and take your car and the amount will be reimbursed in your account basis the terms and conditions of the policy.

Remember that the insurance company will not reimburse your bills if you do not submit them immediately after your car is released from the garage. So you cannot keep the small bills and hope to submit them at the end of the year.

Car insurance claim process for a third party claim

  • If a third party has sent you a legal notice asking for a claim, do not communicate with the party before informing your insurance company. Also remember not to make any financial commitments or out-of-court settlements before speaking to your insurer first.
  • Submit a copy of the notice to your insurer.
  • You will also have to submit copies of the RC book of the car, the driving licence and the FIR.
  • The insurer will verify the documents and assess the accident and if found satisfactory, you will get a lawyer appointed by them.
  • If the court directs you to pay the damages to the third party thereafter, the insurance company will directly pay the dues to the third party.  

Car insurance claim process for a stolen car

  • First of all, file a complaint with the police and lodge an FIR.
  • Submit a copy of the FIR to the insurance company.
  • Once you receive the final police report(Non traceable report stamped by court), make a copy of it and submit it to your insurance provider.
  • The insurance company will assign an investigator. Cooperate with the investigator.
  • Wait for the claim to be approved.
  • Once that is done, submit the RC book of your stolen car to the insurance company. The name of the owner will then be changed to the insurer’s name.
  • Submit the duplicate keys of the car and also a subrogation letter. You will also need to submit a notarized indemnity on a stamp paper.
  • Once all the formalities are completed, the insurance company will disburse the claim.

It is very important to be well informed about the formalities related to making a car insurance claim. Whether you need to make a small claim due to a minor accident or a major claim due to the theft of your car, knowing the procedures will make the job a lot simpler for you.

All insurance providers these days have a very good customer support network and so you must communicate with your insurer whenever there is a need. If you have any doubts regarding the claims, get them sorted beforehand so that your car insurance claim process goes smoothly at the time of a need.

Keep the points mentioned above in mind and your job of filing and receiving a car insurance claim will become a lot simpler.

Written By: PolicyBazaar - Updated: 26 October 2021
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