How to Claim Car Insurance for Own Damage?

A policyholder can claim car insurance for own damage if his/her car is insured under the comprehensive insurance plan. Let's understand the procedure to get an insurance claim for the damaged car.

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What Is an Own-Damage Car Insurance Claim?

Under the comprehensive car insurance plan, a policyholder can claim insurance in case of third-party liability as well as damage caused to the insured car due to an accident.

The policyholder must inform his/her insurer and submit the necessary documents to proceed with the own-damage car insurance claim process. The insurer then sends a surveyor to the site of the accident to analyze damages. After the surveyor submits the report for approval, the policyholder can claim the damage/loss costs. There is also an option to choose between 'cashless claim settlement' and 'reimbursement claim settlement'.  

Before we provide details of these terms, let us understand how you can claim car insurance under own-damage. 

How to Claim Car Insurance for Own-Damage?

Follow these basic steps to get insurance for your insured car's damage:

Inform Your Insurer

You must inform your insurance company about the accident as soon as it occurs. The sooner you inform the quicker the claim settlement process gets. You must note that you can only claim the policy within the specified number of days from the date of accident. Any claim after that period is not considered eligible. You must either confirm it with your insurer or read policy documents to know the details.

File an FIR

File the First Information Report (FIR) at your nearest police station as soon as possible. The accident report is crucial to claim a car insurance policy. If you can, file an FIR on the day of the accident or else as soon as possible.  

Evaluate the Status of Damage

Once you've filed an FIR and informed your insurer, the damage or loss evaluation is carried out by the surveyor sent by the insurance company. As per the final report of the surveyor, your insurance company will settle claims for the damages under the cashless settlement claim or reimbursement settlement claim, whichever you choose.

Also, it is advisable to not tow the car yourself to avoid any consequential damage. 

Claim Settlement

Upon submission of the final report by the surveyor, the repair costs are directly settled with the network garage. However, claims are settled after you submit repair amount receipts to your insurer in case you opt for the reimbursement settlement claim process. 

You must note that while your insurance company pays a major amount for the car’s repair, you will have to cover some part of the total costs incurred.

Types of Claim Settlements

Under a comprehensive car insurance plan, there are two types of claim settlement processes: 

  • Cashless Claim Settlement

Under this process, you get your car repaired at a network garage listed under the insurance company. The entire process is cashless as the insurer directly settles the claim amount with the network garage where your insured car is sent for repair.

As per the policy norms, the policyholder is only required to pay for the compulsory deductible or voluntary deductible- whichever was opted at the time of purchase of the insurance plan.

  • Reimbursement Claim Settlement

Under this process, you get your car repaired at a non-network garage and share the bill with the insurer to get reimbursement. In other words, you pay for the repair costs at the garage of your choice and later claim the repair cost reimbursement to the insurer. 

After proper evaluation of the damage, the insurer promises to pay the reimbursements to the policyholder after adjusting the applicable deductibles. 

Step-by-Step Process for Car Insurance Claim

Here is a step-by-step guide for you to raise own-damage car insurance claim under a comprehensive insurance plan:

  1. Raise a claim request-You can register your own-damage car insurance claim to your insurance company. You can do so either online or via calling the toll-free number. Keep your policy number and engine chassis number handy and mention the exact date and time of the accident when asked.
  2. Contact the nearest network garage-After the accident, if you can get your car to the nearest garage for repair, do the needful instead of delaying the repair process. If you wish to opt for cashless claim settlement take your car to the nearest network garage.
  3. Cashless claim settlement-You must submit necessary documents like car insurance policy at the network garage under this process. After this, the insurance company will pay off the claim amount directly to the garage.
  4. Reimbursement claim settlement-Under this process, you must submit necessary documents along with the repair bills to the insurance company. After the successful verification, the insurer will reimburse your claim. 

Wrapping it Up

Own-damage car insurance claims can be raised only under the comprehensive insurance plan. You must determine whether you want to choose cashless claim settlement or reimbursement claim settlement process. Both the settlements come with alluring benefits and use when the need arises.

Written By: PolicyBazaar - Updated: 13 July 2021
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