• A Step-By-Step Guide To File Car Insurance Claims

    Car Insurance
    • Protect yourself with third party or comprehensive cover
    • Use bumper to bumper policies to reduce your liability
    • Enjoy facilities like zero depreciation and roadside assistance covers

    A car is a valuable asset and it is natural that you want to protect it under all circumstances. However, nobody can predict the future and it is most possible that your car may meet with an accident, gets stolen or falls under any other unexpected situation which you can't control. So to be on the safer side, it is wise to buy a proper car insurance policy. This will ensure the security of your car against any future damages. A car insurance policy will help you with the expenses that arise due to the repair of the damages caused to the car. Here you will find the step by step guide about how you can file the car insurance claims with the insurance provider.

    To understand the car insurance claim process, you at first have to know about the types of claims that you can file and how each of them work. Here are the details of the claims that you can file with the company:

    Reimbursement claims: Reimbursement claims are cases when the policyholder claims for the repairing cost of the vehicle which he/she has repaired at a workshop or garage. Such repairs are not included in the list of the cashless networks covered by the insurance company from where he/she has purchased the insurance. If this term is there in your policy document then the insurance company will pay the repairing cost after you file the claim with the company.

    To file this claim you have to follow the following steps:

    • Inform your insurance company about the claims
    • Next, provide the required documents along with a properly filled up claim form that you can either download from the official website of the company or can get a hard copy from the company itself.
    • In the next step, your vehicle will be inspected by a surveyor to figure out the degree of damage
    • Then you have to repair your vehicle from the desired repairing centre at your own cost.
    • Once done with the repairing you need to submit all the bills and other papers like a copy of the policy document, and your driving license to the insurance company
    • Once the company verifies all the documents and finds them satisfactory, it will reimburse the amount in your account within a period of 10-15 days

    Cashless claims: Cashless claims are the cases where the policyholder gets the repairing of his/her vehicle done in case any accidents from the authorised vehicle service centres which the insurance company has collaborated with.

    The steps to file a cashless claim are as follows:

    • First inform the company about the claim
    • Next, a surveyor will inspect your vehicle to know the extent of the damage to the vehicle
    • Next, if the output is satisfactory then the company will approve your claim.
    • This claim will be directly settled between the service centre and your insurance company
    • As per the policy details, you might have to bear a certain part of the cost

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