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How Do You File a Car Insurance Claim For a Car Dent?

Updated On Oct 15, 2023

How to Claim Insurance for Car Dent?

The agony of discovering a dent in your pristine car is unparalleled. While the mishap can occur under various circumstances, it’s crucial to comprehend the mechanism of filing a claim for the dent in your car insurance. This article sheds light on the feasibility and the process to smoothen your claims for car dents in India.

Is it Feasible to File a Claim for a Car Dent?

Before jumping into the procedures, the foremost question to answer is whether it’s reasonable or not to claim insurance for a car dent. Several factors influence this decision, and understanding these will help you make an informed choice.

1. Assessing the Extent of Damage

Firstly, assess the extent of the damage. If the dent is minor and the repair cost is low, it might not be worth claiming insurance, primarily if it leads to the loss of your No Claim Bonus (NCB). The NCB is a discount offered for every claim-free year, which can be substantial over time.

2. Reviewing Your Deductible

Evaluate your deductible amount – the portion you pay out of pocket for each claim. If the repair cost is close to or less than the deductible, it makes little sense to file a claim.

3. Understanding Your Policy

Familiarize yourself with your insurance policy. Comprehensive car insurance policies typically cover damages like dents not caused by a collision. However, if you possess only third-party insurance, it won’t cover the costs of repairs.

4. Long-term Implications

Consider the long-term impact on your policy premium. Sometimes, filing a claim for a minor dent may result in an increased premium at the time of renewal.

5. Calculating Financial Sense

Weigh the cost of out-of-pocket repairs against the loss of NCB and potential premium hikes. Sometimes, bearing the cost of small repairs yourself may be financially sensible in the long run.

How Do You File a Car Insurance Claim For a Car Dent?

Factors to Consider Before Filing a Claim for a Car Dent

No Claim Bonus (NCB)

If you haven't made any claims during the previous policy periods, you are eligible for a No Claim Bonus. Before claiming for a dent repair, consider the NCB loss, as even a minor claim can make you forfeit this significant discount on your next premium.


Deductibles refer to the amount paid out of pocket before the insurance kicks in. If your deductible is high and the repair cost is low, it's advisable not to file a claim.

Premium Impact

Every claim you file can potentially increase your premium during renewal, even if it’s for minor damage like a dent. Calculate the long-term cost implications before making a decision.

Policy Terms

Understand your policy inclusions and exclusions. Not every policy covers dent repairs unless it is caused by a specified peril. It's crucial to go through your policy document carefully.

Future Implications

Filing for minor claims frequently can impact your credibility as a policyholder, making insurers view you as high risk. This perception might affect your future insurability or the premium rates offered to you.

What is the Cost of Repairing a Dent in India?

Repairing a dent can vary in cost, primarily depending on the severity and location of the dent, the make and model of your car, and the method used for repair. Below is a rough estimate of the cost involved:

  1. Minor Dent Repairs: For small dents without paint damage, the cost might range between INR 1,500 to INR 3,000 per dent.
  2. Medium-sized Dent Repairs: If the dent is moderate in size with minor paint scratches, it might cost between INR 3,000 to INR 6,000.
  3. Large Dent Repairs: For substantial dents that require more work and possibly repainting, the cost can escalate from INR 6,000 to INR 10,000 or more.

How to claim insurance for a car dent?

Wondering how to claim car insurance for a dent? Don’t worry because we’ve got you covered. Filing a claim for a car dent involves a series of steps to ensure a smooth process and successful claim approval:

1. Immediate Notification:

Notify your insurance provider immediately after noticing the dent.

2. Filing a Claim:

Visit your insurer's official website or approach their physical office.

File the claim online by filling in the necessary details or do it offline by speaking with a customer service representative.

3. Submit Required Documents:

Provide all necessary documentation (outlined in the next section).

4. Appointment with Surveyor:

The insurance company will assign a surveyor to assess the extent of the damage.

The surveyor will verify the details provided and evaluate the repair cost.

5. Claim Approval:

After assessing the documents and surveyor’s report, the insurer will approve or reject the claim based on the policy terms.

6. Repair and Reimbursement:

On approval, get the car repaired at a network garage for cashless service or at a garage of your choice and later get reimbursed for the expenses.

Now that you know how to claim insurance for a car dent in India, the process should be much easier! Let’s take a quick peek at the documents you’ll need. 

Documents Needed to File a Claim for a Car Dent

Having the correct documentation ready can expedite the claim process:

  1. Claim Form: A duly filled and signed claim form.
  2. Photographs: Clear photos of the dented area, showcasing the extent of the damage.
  3. Insurance Policy: A copy of the valid insurance policy and premium payment receipt.
  4. Driving License: A copy of the driver’s license of the person who was driving at the time of the incident.
  5. Registration Certificate (RC): A copy of the vehicle’s RC.
  6. FIR: In case of a significant accident, a copy of the First Information Report (FIR) filed with the police is necessary.
  7. Repair Estimate: An initial estimate of the repair cost from the garage or service centre.
  8. KYC Documents: Identity and address proof as KYC documents (like Aadhar card, PAN card).


Filing a claim for a car dent might seem cumbersome, but with proper knowledge and all documents at hand, it becomes a straightforward process. Understand your insurance policy’s terms and conditions and ensure you have all the necessary documentation ready to make the claim process hassle-free and swift.

Deciding to file a claim for a car dent repair is not straightforward. It involves considering various factors, such as the loss of NCB, the amount of deductible, the impact on future premiums, and understanding the terms of your policy. Moreover, with the cost of dent repair being relatively affordable for minor to moderate damages, sometimes it makes more financial sense to pay out of pocket than to file a claim. Understanding these elements thoroughly will assist you in making a well-informed and financially prudent decision.


  1. I have some minor dents and scrapes on my automobile; may I file a claim?

   If your insurance coverage includes minor dents and scratches, then you can definitely file a claim for these. But before claiming for little repairs, take into account your deductible and No Claim Bonus (NCB).

  1. Will my insurance rate go up if I make a claim for a car dent?

   - Making a claim could have an impact on your NCB, which could result in increased premiums at renewal.

  1. In terms of auto insurance claims, what is a deductible?

   - The amount you agree to fork out before your insurance starts to pay for repairs is known as your deductible.

  1. Do minor dents require the filing of a police report?

   For minor damages, a police complaint is usually not necessary unless there has been involvement from a third party or unless the situation calls for formal record.

  1. Do dents and scratches get covered by all insurance companies?

   Coverage differs amongst policies. Third-party plans do not typically cover accident-related damages, but comprehensive auto insurance coverage does.

  1. How long does it take to file a car dents insurance claim?

   . Depending on the insurance company and the severity of the damages, the processing period can vary, but it typically takes seven to thirty days.

  1. What occurs if my claim is denied by the insurance company?

   You will be responsible for paying for the repairs out of your own money if your claim is denied. If you disagree with the decision, you have the right to challenge it and to know why the claim was denied.

  1. Can I select the dent repair shop that I want to use?

   Yes, however selecting an insurance company-affiliated network garage can help to streamline the cashless claim procedure.

  1. Should I report each ding and scrape on my car to the insurance company?

   - If the repair will not adversely impact your NCB or if the cost of repair is less than the deductible, it is not suggested to file a claim for minor losses.

  1. Is there an annual cap on the amount of claims I can submit?

    - The number of claims is unlimited, but filing a lot of them throughout the course of the policy may affect your eligibility for the NCB and your renewal cost.


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.

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