When your insured car suffers damages, you are entitled to compensation from your insurer. You can raise a vehicle insurance claim in the event of an accident, natural or manmade disaster, fire, and more. Policyholders also get coverage for theft of the vehicle.
But a lot of people are confused regarding how to claim car insurance. If you are one of them, start reading this detailed guide without further adieu:
Steps for Making a Car Insurance Claim
Nowadays, it has become extremely convenient to raise car insurance claims. Since you can do it online, there’s no need to visit your insurer’s office and wait for hours to raise your claim. The steps involved in the online car insurance claim process are as follows:
Step 1: Visit Your Insurer’s Website or App
When you want to file your car insurance claim, you will have to visit the official app or website of your insurer. You can even ring the toll-free number of your insurer.
Step 2: Share Details About the Circumstances
Next, you will have to provide details regarding the circumstances behind the claim. For instance, it might be due to an accident, theft, or breakdown.
Step 3: Let the Insurer Survey Your Car
Your insurer will have their experts perform a detailed survey of the car to assess the extent of the damage. The compensation available from the insurance claim will depend on the extent of the damage.
Step 4: Take Care of Repairs
In the car insurance claim process, your insurer will be responsible for taking care of the damages to your car. If your car needs repair, the insurer will arrange to pick it up and send it to the nearest partner garage.
Step 4: Bill Settlement
If you have a cashless facility, the car insurance claim rules will be even more convenient. The cashless facility will ensure that your car gets fully repaired in the partner garage without you having to pay a single penny. Your insurance provider will directly settle the bill with the partner garage.
In case you don’t have a cashless facility, the car insurance claim procedure will be a little different. In this case, you will have to pay the bills from your own pocket. After that, you will have to wait for your insurer to reimburse you.
Step 5: Receive Your Car at Your Doorstep
After the repair is done, you will receive your vehicle at your doorstep.
Documents Required to Raise a Vehicle Insurance Claim
While learning how to claim car insurance, it’s crucial to understand the documents that you need to submit. If you can submit the required documents, the car insurance claim procedure will be smooth and easy. The documents that you need to submit are as follows:
- Your driving license
- Insurance policy certificate copy
- Vehicle registration certificate
- ID proof of the policyholder
- FIR copy (if lodged)
- Fire brigade report (if lodged)
- Canceled cheque
Apart from these, you should also be able to submit any other document requested during the car insurance claim process.
Tips to Avoid Car Insurance Claim Rejections
Even after you learn how to claim car insurance, there’s a possibility of rejection. You must follow the car insurance claim rules strictly to avoid rejection. A few tips for avoiding claim rejection are as follows:
- Never drive your car without a valid license.
- Always follow traffic rules and drive responsibly.
- Never drive around with drugs or alcohol in your system.
- One of the major car insurance claim rules to avoid rejection is to be aware of the policy terms.
- Remain aware of the different exclusions and inclusions in your policy.
The car insurance claim process is absolutely hassle-free when your vehicle is insured by a trustworthy insurer. But remember, the exact process of raising a claim will vary slightly according to the type and circumstance of the claim. You can always contact the customer support of your insurer to learn the detailed process of raising a specific vehicle insurance claim and receive thorough assistance.