Documents Required For Car Insurance Claim Process

An automobile insurance policy's claim procedure is very crucial. A claim is a request for payment of a policyholder's loss made to his or her vehicle insurance provider. We've covered the various methods for filing a vehicle insurance claim as well as the various papers that are necessary to file a claim in this post.

Required Documents for Filing a Car Insurance Claim

At the time of filing an automobile insurance claim, you must have the following papers on hand:

• Details of Car Insurance Policy it is certainly one of the most fundamental necessities.
• The insured vehicle's information is self-evident.
• No, the insurance is not valid unless the insured person's details and information regarding the vehicle insured are provided.
• Numbers that have been registered.
• Information about the vehicle for which four-wheeler insurance was acquired. This essentially contains the car's make and model.
• The specifics of the accident the date and the location of the event must be specified. You might also give a brief account of how the mishap took place.
• Stating the magnitude of the loss.
• If the garage data, such as address and phone number, are not given, a claim against car coverage cannot be filed.

Accidents are unavoidable. The consequences of the damage are much more difficult to bear. What's to stop you? After all, your automobile is not only an asset but also a high-end purchase. It is absolutely not a clear 'No-No' to settle for low-cost vehicle insurance. It is, nevertheless, critical to keeping an eye on the coverage provided. It is not difficult to submit a claim for auto insurance. It is critical, however, to have the precise collection of documentation on hand. Are you unsure which papers you should keep on hand? Let's have a look.

How Can You Avoid Getting Your Claim Rejected?

The following tips can assist you to avoid having your claim denied:

• A Valid Driver's License is Required

When driving your automobile, make sure your driver's license is not expired or invalid. If this occurs during a collision, your automobile insurance company may refuse to pay for the losses caused by the collision.

• Geographical Restrictions

Car insurance is only valid within Indian territory, therefore if you intend to drive outside of it, bear in mind that your car insurance provider will not cover any mishaps that occur outside of the nation.

• Policy Transfer

Ensure that the registration certificate and insurance policy are changed to your name if you buy a used automobile. The insurance company will reject any claims if this is not done at the time of the accident. Ensure that the transfer is completed within 14 days of the purchase date.

• Renewal

It is vital to renew your automobile insurance on time in order to avoid having your claim denied. Keep in mind that any claims on a lapsed or expired coverage will be denied.

• FIR

If you are involved in an accident or your car is stolen, it is critical that you submit an FIR as quickly as possible since it is a necessary document in the claim procedure. Failure to do so, or doing so late, might cause problems with your claim.

Take Away

You may have chosen the greatest vehicle insurance, but filing claims against these policies may be difficult if you don't have any of this paperwork. Please contact your insurance provider as soon as possible to report the occurrence or mishap. You might also enlist their help in figuring out how to move forward with your claim. In a word, provided you have all of the necessary documentation, filing a claim against automobile insurance is a breeze.

Do read - What Is Collision Damage Waiver?

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.