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How to File a car insurance Claim: A Step-by-step Process

Published On Mar 10, 2021 11:00 AM By InsuranceDekho

This article mentions the step by step process of filing car insurance. It begins with an introduction of what a car insurance is and then mentions the different claim filing processes in detail.

A car insurance claim is a process where a car owner asks their insurance provider to reimburse their money that has been spent for repairing any damages sustained by their car due to an accident. In other cases, a car insurance holder can also request their insurance company to pay on their behalf if any damage has been caused by their car to another individual or property. Whatever the cause be, it is the duty of the insurance company to pay your claims for any of the cases mentioned above and in this article, we are going to give you a step-by-step guide of filing such claims.

You should remember that in car insurance there are two different types of claims namely, a cashless claim and a reimbursement claim. Read on to find out how you can apply for each of these claims. It should be mentioned that in a cashless claim, all expenses are directly settled by your car insurance provider and you do not pay any extra money; whereas in a reimbursement claim, the initial costs of repairs are borne by you but are later refunded by the insurance company.

How to File a car insurance Claim: A Step-by-step Process

Filing Your Car Insurance Claim - A Step-By-Step Process

  • Cashless Claim

If someone wants to file a cashless car insurance claim, they only need to follow the steps given below -

Step 1: Register your cashless claim by calling your car insurance provider at their toll-free number, via their website, by email or on a mobile app

Step 2: After the first step, you will receive a claim registration number that will be required by you for future communications and references

Step 3: Take your car to any authorized garage for repairs

Step 4: Submit all documents to the surveyor

Step 5: If the car company is satisfied that the reasons for your claim is true, they will take all liability. All bills of the garage will be paid directly by your insurance company.

  • Reimbursement Claim

In order to file a reimbursement claim, you need to perform the step as given below -

Step 1: Register your claim by calling your insurance provider on their toll-free number, through its website or by email

Step 2: Once you have registered your claim, you will receive a claim registration number that will be required for future references

Step 3: Visit a garage to get your car repaired

Step 4: Provide all necessary documents to the surveyor

Step 5: If the car insurance company is satisfied, they will confirm its liability and initiate the reimbursement process.

  • Documents Required

In order to file a claim, all individuals need to submit certain supporting documents. These are as follows -

  1. Claim form signed by the policyholder
  2. Copy of the car’s Registration Certificate with original keys
  3. Copy of driving license
  4. Original policy documents
  5. Original FIR copy in case of theft
  6. Photocopies of PAN Card and driving license

Take Away

These are the different steps of filing a car insurance claim. Whatever your coverage option is, the points mentioned above will help in filing a claim in times of necessity. Having an insurance policy for your car is very important as accidents or breakdowns can occur anytime and it guarantees adequate financial protection against the same. Hopefully, you will be able to file a claim seamlessly by following the simple steps outlined above.

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.

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