Bharti Axa Car Insurance Claim

Bharti AXA Car Insurance Claim Process

Introduction

An insurance claim is raised by a policyholder to the insurance company to compensate for the damages caused after an accident. A policyholder needs to pay a certain sum as premium every year to be eligible for claim. Claim settlement is a thorough procedure through which policyholder gets his claim processed. A smooth and easy claim settlement process goes a long way in ensuring customer satisfaction and retention.

Documents required for cashless and reimbursement claims

The following documents are mandatory for claim settlement:

• Self-attested registration certificate
• Valid Insurance policy
• KYC Document (For loss above INR 1Lakh)
• Driving license
• Original claim form to repairer or surveyor for verification against the originals

Claim Rejection Reasons

1. Accidents due to negligence of the policyholder

If the accident has happened due to policyholder’s negligence and carelessness, the insurer may not approve the claim.

2. No medical aid availed at the first hour of the injury

It is necessary to get medical aid as soon as possible after the accident, otherwise, the company may question the reason and can also refrain from rendering claim.

3. Expired policy

The company is not entitled to cater to the claim amount if the policy is not active. One needs to renew his/her car insurance policy within the stipulated time period.

4. Giving false information in the policy

Hiding any detail or giving false information in the policy document often results in wiping out the benefit of the insurance.

5. No proof of the accident

If you fail in establishing the fact that the damage is caused by an accident or if there is no sufficient evidence, then the company will not initiate the claim.