Let’s Breakdown the Right Steps to File a Motor Insurance Claim~
✅ Inform Your Insurer Immediately:
Contact your insurance company as soon as the accident or incident occurs and take your vehicle to the authorized service center.
✅ File a Police Report(FIR) if Required:
- Mandatory for theft, major accidents or third party damage.
- Keep a copy of the FIR for your claim documentation.
✅ Submit the Claim Form:
- Fill out the insurer claim form accurately.
- Forms are available online, at the insurer’s office and authorized service center.
✅ Vehicle Inspection:
- The insurer will appoint a surveyor to assess the damage and submit his report to the insurer company.
- Wait for approval before starting repairs unless it’s an emergency.
✅ Repair and Settlement:
- Choose a network garage for cashless repairs or pay upfront and seek reimbursement.
- Submit original bills and receipts for reimbursement claims.
Documents Required~
- Duly filled claim form
- Copy of vehicle’s Registration Certificate (RC)
- Driver’s license
- FIR (If applicable)
- Original repair bills and payment receipts
- Insurance policy document
Tips for Smooth Claim Process~
- Always notify your insurer before repairing the vehicle.
- Keep all receipts and documents organized.
- For third-party claims, let your insurer handle communications with the other party.
- You may be eligible for a No Claim Bonus if you haven’t filed a claim in the previous year.