Documents You Need To File A Car Insurance Claim
Updated On Oct 15, 2023
Wondering what documents you need to file a car insurance claim? Look no further, this article will tell you everything you need to know.
Table of Contents
- What are the Documents Required to File a Car Insurance Claim?
- How to File A Car Insurance Claim?
- Points to Remember When Filing a Car Insurance Claim
When driving on the road event the most careful people can meet with accidents or mishaps of some form. In such cases, car insurance will take care of the damage costs by providing compensation. In times of crisis, this compensation can make a significant difference as it offers financial stability to the insurance holder. To begin the process to receive the compensation, the insurance holder must file a claim. Thanks to modern technology this entire process has become extremely efficient. However, it is important to know exactly what needs to be done in such situations. In this article, we will tell you exactly what documents you will require for the claim process and how to go about it.
What are the Documents Required to File a Car Insurance Claim?
Following are the documents you will require to file for a car insurance claim:
- Car Insurance Policy Document Copy
- FIR Copy
- Registration Certificate Copy
- Driver’s Licence Copy
- Car Insurance Claim Form
- Original Invoice for Repairs
- Original Bills for Medical Expenses
How to File A Car Insurance Claim?
The following instructions will help you in filing for a car insurance claim:
Inform the Insurance ProviderIf there is a mishap that you intend to get compensation for it is crucial to let your insurance provider know about the accident as soon as possible. Make sure to also confirm the documents you need to submit as there may be some additional thing you will need to submit depending on your situation.
File an FIRIf there was a road accident, theft or a case of vandalism make sure to file an FIR at the nearest police station. You will need a copy of the document for the claim procedure.
Submit DocumentsOnce you have gathered the required documents, fill in the claim form and submit them to the insurance provider so they can initiate the claim procedure.
Assessment and VerificationIf your car needs to be repaired the insurance provider will first send a surveyor to assess the damage to your car. After they file the report, the insurance claim will go through a verification process before being approved.
RepairsYou can get the car repaired only once the claim has been approved. If you take the car to a network garage the entire process can be handled in a cashless manner with little to no out-of-pocket costs. On the other hand, if you select a non-network garage the insurance holder will reimburse the amount once you submit the original invoice.
Points to Remember When Filing a Car Insurance Claim
The following points are important to keep in mind while filing for a car insurance claim:
Provide Accurate Information and DocumentsIt is crucial to provide the insurance company with accurate information when purchasing and filing for insurance. Thus, ensure that there are no errors when filing for your claim and do not try to hide any aspect of the accident. Any discrepancies in the information can lead to the rejection of the claim.
File the Claim As Soon As PossibleThere is a limited time within which the insurance provider is expected to be informed about the mishap. ANy delays beyond this period can lead to unnecessary delays and even claim rejection.
Check Insurance Terms and ConditionsThe insurance provider may not agree to provide the compensation or may offer a lower amount. This is because of the terms and conditions mentioned in the policy document. Make sure to check the inclusions and exclusions of your insurance policy beforehand to avoid confusion at the time of claim settlement.
Keep all Invoices and ReceiptsIf there are any invoice or receipts involved for medical purposes or repairs, keep them carefully. You will require to produce them for the claim procedure and a loss of these documents can lead to complications.
To conclude the above-mentioned documents are the basic ones that are required for all car insurance claim procedures. Make sure to confirm the list of documents with your insurance company at the time of claim settlement as there may be different requirements for your specific situation. Lastly, with car insurance, it is crucial to renew it on time. Insurance that has expired is the same as not having insurance. In case there is a mishap an expired insurance policy will not provide you with compensation. Now you can do this entirely online with just a few steps. When renewing your car insurance don’t forget to compare the different car insurance companies, the quotes they offer and their network of cashless garages to find the best deal.
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.