Can You Claim Car Insurance with a Temporary Registration Number?

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Claiming Car Insurance with a Temporary Registration Number in India

A temporary registration number is given to new car owners at the time of buying a car to help them buy car insurance. But can it be used for claiming compensation in case of an accident? Let’s find out!

So, we know that we get a Temporary Registration Number (RC) at the time of buying a car. The temporary registration number is given to make it easy for the car owner to purchase a car insurance. However, do you know how to check a temporary registration number or what happens when you meet with an accident with your newly purchased car having the temporary registration number? Can you raise a claim or will you get compensated for the repair work done? Let’s find out how to claim car insurance with temporary RC in this post.https://www.paybima.com/motor-insurance/car-insurance

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Why is Temporary Car Registration Number Important?

The Temporary Registration (RC) number plate is important because it gives authority to the car owner to drive the vehicle on road legally. So, it is important to know the significance of this number before you would raise a claim for your car insurance with a temporary RC number.

Also, since the issuance of a permanent registration number takes ample time, it is necessary to have a temporary RC.  This RC is offered by your car dealer and it works till the permanent registration is issued, which normally takes over a month.  However, you have to visit your nearest RTO or Regional Transport Office to register your car and to initiate the process of issuance of permanent registration number.

Is it allowed to raise car insurance claims if you have a temporary registration number?

Yes, you can raise car insurance claims even with a temporary registration number and get compensated by your insurer. So, even if you don’t have your permanent RC number, you can still use your temporary one and process the claim. You just need to follow the right process and submit the right documents.

Also, when you buy a new car, the insurance company issues the policy number based on engine and chassis numbers.  Later, when you get your permanent RC number, the insurance provider gives you a call to update the RC number on their accounts. They may connect with you in two ways, such as:

  • The insurer might ask you to give them your temporary car registration number and take the help of that number to update it to a permanent number later. They could also use it to know the status of your temporary registration number
  • The other way is that the insurer might connect with you at the time of renewal of policy and ask for your permanent RC. As such, you cannot renew a car insurance policy unless you give your permanent registration number to your insurer.

Read More: How to Obtain a Temporary Registration Number for Your Car?

Process of Claiming Car Insurance with a Temporary Registration Number

Be it with a temporary registration number or permanent, the claim process for car insurance remains the same. You have to offer your insurer certain basic details like engine number and chassis number to update them in the insurer’s system so that they can ease the claim process for the insured.

Here are some steps required for a car insurance claim process while you are still using your temporary registration number:

  • Inform insurer – The first thing to do is to inform your insurance company about the unfortunate event and let them know the details of damage caused to your car. Also, you have to provide them with a the temporary registration number. You must also be transparent about the various details of the incident that damaged the car.
  • Submit the duly filled claim form – In the next step, you need to fill the claim form by first downloading it from the insurer’s website. This form should be duly filled and submitted along with other documents.
  • Process of assessment and evaluation –  In this step, your insurance company will allocate an inspector to evaluate the damages caused to your car. The inspector will assess everything and prepare a report based on which the insurer will accept and reject a claim.
  • Get the repair work done – In case the insurer accepts the claim and approves it, you can send your vehicle for repair at a network garage. In this case, you do not have to pay any amount from your pocket once the repair work is complete. You can rather pick your car and take it home as the bill will be settled by your insurance company.

Conclusion

Whenever you buy a car, a temporary registration number is given along with it. Now, if you meet with an unfortunate accident with your new car while you are using your temporary RC and waiting for the permanent one, you can still seek compensation by raising a claim. And you already know how to claim car insurance with a temporary RC.

Thus, it is important to buy car insurance as soon as you buy your car so that in case of a misfortunate incident with your new vehicle, you can cover your losses.  Just ensure to follow the claim process and submit the papers on time to make the process hassle-free.

So, now that you know how to claim car insurance with temporary RC, you must make sure to buy your insurance as soon as you get your car from the showroom.

Found this post informational? Browse PayBima Blogs to read interesting posts related to Health Insurance, Car Insurance, Bike Insurance, Term Life Insurance and Investment section. You can visit PayBima to Buy Insurance Online.

 

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Sep 15, 2022
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PayBima is an Indian insurance aggregator on a mission to make insurance simple for people. PayBima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. PayBima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.

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