How Long Can You Wait to File a Car Insurance Claim?

Get Car Insurance starting at only ₹2,094/year #
Car Insurance

When an unanticipated road accident occurs, filing a car insurance claim is the next step to getting the compensation you need to cover any damages or injuries. But how long do you have to wait to file a car insurance claim? Let us answer this question further in the article.

Read more

  • Renew policy in 2 minutes*

  • 20+ Insurers to choose

  • 1.2Cr+ Vehicles Insured

Car Insurance

#TP price for less than 1000 CC cars. All savings are provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.

Get Car Insurance starting at only ₹2,094/year #
Looking for Car Insurance?
    Other models
    Other variants
    Select your variant
    View all variants
      Full Name
      Mobile No.
      We don’t spam
      View Prices
      Please wait..
      By clicking on “View Prices”, you agree to our Privacy Policy & Terms of Use
      Get Updates on WhatsApp
      Select Make
      Select Model
      Fuel Type
      Select variant
      Registration year
      Registration month
      Save & update
      Please wait..
      Search with another car number?

      We have found best plans for you!! Our advisor will get in touch with you soon.

      The Ideal Time Limit for Filing a Car Insurance Claim

      Getting into a car accident can be a stressful experience. Not only do you have to deal with the shock and emotional aftermath, but you also have to navigate the claims process to get the compensation you need to cover any damages or injuries. One of the most common questions that arise during this process is whether there is any time limit for filing a claim.

      The time limit for filing an insurance claim after an accident varies depending on the insurance companies. In most cases, you have 48 hours to 72 hours to file a claim.

      However, there is no rule as there may be certain circumstances when an insured cannot file a claim within the stipulated time frame. On the other hand, there may also be certain situations, for instance, water ingression, where the car requires immediate attention and so the claim has to be registered within a few hours only.

      What Happens if you File a Claim Late?

      When you file a claim late, the chances of rejection increase. Again, this rejection depends on insurance companies.

      However, late insurance claim filling can lead to several problems that may result in rejections. Firstly, with a late claim, the insurer may not be able to accurately assess the damages caused to the car during an accident. Moreover, due to late filing, they may also not be able to contact the third party involved in the incident.

      Also, a significant delay in filling a motor insurance claim has a higher chance of the claim being rejected. If you miss the deadline, your claim may be denied, and you may be left to cover any damages or injuries out of pocket.

      Thus, it is best to check with the insurance company to know if they accept late claims. And if possible, file the claim as soon as the accident occurs or at least inform the insurer so that they can help you with the claim filling process.

      Why Filing a Claim Promptly Is Important?

      Filing a vehicle insurance claim promptly is crucial for several reasons. Firstly, it ensures that the insurance company has accurate information about the accident, making it easier for them to investigate the damages and make a decision.

      Secondly, it helps to prevent any disputes or disagreements that may arise if a third party or other drivers are involved in the accident.

      How to File a Car Insurance Claim?

      Filing a motor insurance claim is a straightforward process. You will need to contact your insurance company and intimate them about the accident as soon as possible.

      After you have provided all the necessary information, your insurance company will assign a surveyor to assess the extent of damages sustained by the insured vehicle. The surveyor will examine the damages caused to the insured car and may ask for documents, such as photos and receipts, insurance papers, etc to support your claim. They may also contact witnesses or review Police FIR to gather additional information about the accident.

      Once the claim is verified, they will send the insured vehicle to an authorised cashless garage for repairs and will directly settle the claim with the garage.

      Tips for Filing a Successful Car Insurance Claim

      Filing a four-wheeler insurance claim can be a complex and stressful process sometimes especially when it's done at a later stage. Here are some tips to help ensure that your claim is raised successfully:

      • File your four-wheeler insurance claim promptly to avoid missing the deadline.
      • Provide your insurance company with accurate and complete information about the accident.
      • Keep detailed records of any damages or injuries sustained in the accident, including photos, receipts and other documents.
      • Be honest with your insurance company about the details of the accident.
      • Follow up with your insurance company regularly to ensure that the claims process is moving forward.
      • Make sure to apply for car insurance renewal before the expiry date to avoid any claim rejections. You can also renew car insurance online after comparing plans on

      Wrapping Up!

      Filing a motor insurance claim on time is an essential step to getting the compensation you need to cover any damages or injuries sustained in an accident. While the time limit for filing a claim varies depending on the insurance company, it's important to file your claim promptly to ensure it is processed successfully. By following the tips mentioned above, you can claim with ease and get accurate compensation from your car insurance company.

      Find similar car insurance quotes by body type

      Hatchback Sedan SUV MUV
      Save upto 85% on Car Insurance
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
       Why buy from policybazaar

      Car insurance articles

      Recent Articles
      Popular Articles
      IDV in Car Insurance

      22 Feb 2024

      In layman's terms, the IDV full form is the Insured Declared Value
      Read more
      Must-Have Car Insurance Addons for Brand New Cars

      31 Jan 2024

      Investing in a full-coverage car insurance policy is essential for
      Read more
      No Claim Bonus (NCB) in Car Insurance

      29 Jan 2024

      No Claim Bonus (NCB) is a reward given by an insurer to a
      Read more
      How to Choose the Right Car Insurance for Your First Car?

      17 Jan 2024

      Buying their first car is no less than a milestone unlocked for
      Read more
      Things To Know Before Purchasing Sedan Car Insurance

      12 Dec 2023

      The type of four-wheeler you purchase also impacts its insurance
      Read more
      Check Vehicle or Car Insurance Status/Validity Online
      It doesn’t matter if you are an excellent driver or take your car out only once in a few months; your car must be
      Read more
      Getting Your Duplicate Car Insurance Policy is Easy-Here’s How!
      Losing your car insurance documents can be daunting. In such a state of affairs, the first thing that comes to your
      Read more
      Find Car Insurance Details By Registration Number
      Sometimes, you may face situations when you need car insurance or vehicle owner details but cannot readily access
      Read more
      How to Transfer Car Insurance Policy?
      An integral part of selling a car for both the buyer and the seller is ensuring a successful car insurance transfer
      Read more
      Comprehensive Insurance Vs Third Party Insurance
      Comprehensive car insurance offers protection to the insured car against third-party liabilities and own damages due
      Read more

      #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

      *Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.

      View Plans
      Download the Policybazaar app
      to manage all your insurance needs.