Car Insurance Making a Claim

When you need to make a claim, we're there for you

-> How to Claim Car Insurance

Whether it is the case of third party liability, theft or of own damage, inform the insurance company as soon as possible after the incident happens. You should intimate the insurance company by reaching out to them on their Toll-free number which is available on their website.

In case of own damage, you need to take an appointment with the surveyor, and submit the required documents to the surveyor. Thereon, on acceptance of your claim, you can get your car repaired at their authorized garage to opt for a cashless facility else you can get it repaired from any garage and produce the repair bills to get a reimbursement.

-> When to file a Car Insurance Claim

Contact your car insurance company as soon as possible following a car collision. You may also need to file a claim if your vehicle is:

  • Vandalized.
  • Stolen.
  • Damaged from a non-accident-related event, such as fire or severe weather.

Your auto insurance agent’s or insurance company’s telephone number is listed on the front of your insurance card. However, you may also be able to find it online and in your actual policy documents.

-> What is Third Party Claim

In a third party claim, where your vehicle is involved, it is important to ensure that the accident is reported immediately to the police as well as to the insurance company.
On the other hand, if you are a victim, that is, if somebody else’s vehicle was involved, you must obtain the insurance details of that vehicle and make an intimation to the insurer of that vehicle.

-> What is Own Damage Claim

In the event of an own damage claim, that is, where your own vehicle is damaged due to an accident, you must immediately inform insurance company and police, wherever required, to enable them to depute a surveyor to assess the loss.
Do not attempt to move the vehicle from the accident spot without the permission of police and the insurance company.
Once you receive permission for removal of the vehicle and for repairs, you can do so.
If your policy provides for cashless service, which means you do not have to pay out of your pocket for covered damages, the insurance company will pay the workshop directly.
In either of these situations, you must intimate the insurance company immediately.

-> What is Theft Claim

If your vehicle is stolen, you must inform the police and the insurance company immediately. In addition you must keep the transport department also informed.
As soon as you receive the policy document, read about the procedures and documentation requirements for claims rather than wait for a claim to arise.
If you have to make a claim, ensure that you collect all the required documents and submit them along with the requisite claim form duly filled in, to the insurance company.
There may be certain specific documentation requirements for specific types of claims. For instance in respect of a theft claim, there is a special requirement that you should surrender the vehicle keys to the insurance company.