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How to File a Car Insurance Claim? Research Team | Posted On Monday, June 24,2019, 06:41 PM

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How to File a Car Insurance Claim?



How to File a Car Insurance Claim?

What is Car Insurance?

Car insurance is an agreement between the policyholder and the insurance company, where the insurer agrees to compensate for any loss or damage caused to the insured vehicle in an accident. The car insurance offers insurance coverage in case of accidents, theft, natural calamities and also covers third-party liability. The coverage and the inclusions/exclusions vary across insurers and also on the type of insurance plan availed.

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See Also: Car Insurance In India

How to File a Car Insurance Claim?

Key Benefits of Car Insurance:

Listed below are the key benefits of a car insurance plan:

  • Offers insurance coverage against damage or loss to the insured vehicle.
  • Covers damages caused by natural calamities or due to lightning, explosion, self-ignition, theft, fire and so on.
  • Offers insurance cover against any financial liability due to injury or death of the third-party (any unrelated party) or damage to the vehicle in a collision.

Car Insurance Claim:

A car insurance claim refers to a process where the policyholder raises an insurance claim to get compensation for the damages caused to the insured vehicle in an accident. The compensation is given by the insurer in the form of cashless claim or reimbursement after verifying the documents and the condition of the vehicle. The car insurance also provides coverage when unintentional damage is caused to a third-party due to an accident. A policyholder can make claims when he/she is involved in an accident. 

Car Insurance Claim Procedure:

The car insurance claim process can be categorized into two types:

Cashless Insurance Claim: A cashless car insurance claim is where the insured does not have to make any upfront payments for repairing the damaged vehicle. However, the vehicle must be repaired at a network garage as specified by the insurer. The car insurance company confirms the liability and settles all payments on behalf of the policyholder. The policyholder must make sure the damages are included in the policy before claiming the cashless insurance benefit.

Car Insurance Reimbursement Claims: if the insured vehicle is damaged and taken to the garage for repairs, (This is not a network garage), then the policyholder can claim reimbursement. This is a common scenario, in case the vehicle gets damaged on a highway or in a remote place, then the reimbursement claim can be raised. In this type of claim, the policyholder has to pay for the damages and later submit the necessary documents to get a reimbursement. The policyholder must submit all related documents like bills, repair receipt and claim registration number for getting the reimbursement.

See Also: How to File a Car Insurance Claim?

How to Make Car Insurance Cashless Claim?

Under the car insurance cashless claim, the claim is settled by the insurer only if the vehicle is repaired by an authorized garage as mentioned in the policy. The bills are forwarded to the insurer and the insurer verifies the documents and settles the bills with the garage, directly. Given below is the complete process to claim cashless insurance:

  • Register your cashless insurance claim with the insurer. The claim can be registered online through the official website of the insurer, or email or through the mobile app. You can also register your claim by calling the toll-free helpline number in case you are not acquainted with the online method.
  • Once the claim is registered, the insurer provides the insured with a claim registration number. This number will be used for further communication and references.
  • In case of an accident or damage to the vehicle, take it to any authorized network garage for repairs.
  • Submit all the necessary documents to the surveyor and claim the cashless insurance.

How to File Car Insurance Reimbursement Claims?

Follow the steps given below to file car insurance reimbursement claims:

  • Register the car insurance claim with your insurer
  • Once the claim is registered, an insured is provided with the claim registration number.
  • The damaged vehicle can be repaired at any garage in case of damage or an accident.
  • The insured must collect all the bills and supporting documents and submit it to the surveyor.
  • The insurance company verifies the documents and confirms its liability.
  • The insurer initiates the reimbursement process and settles the claim within a month.

See Also: Zero Depreciation Car Insurance

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