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If you are a four-wheeler owner, buying car insurance is not just a legal obligation but also necessary for your peace of mind. In the event of an accident, insurance acts as a financial safety net shielding you from the medical and car repair costs. Thus while buying a car insurance policy, it is imperative to understand the policy offering and the most critical of it all – the car insurance claim process. Let us take you through the car insurance claim process in a step-by-step manner in this post.
You already know that having a car insurance policy (third-party) is compulsory for you to drive a vehicle on the Indian road. Like many other countries in the world, Indian Motor Laws have made it compulsory for vehicle owners to have insurance along with other mandatory documents like driving license (DL), vehicle registration (RC), and certificate of pollution under control (PUC) for driving vehicles. If you are a vehicle owner or planning to buy a car soon, research which car insurance policy would suit you best. Also, explore how to claim car insurance in case of any fatality.
In case of a car accident insurance claim, you need to follow the below steps to raise the claim:
The first thing to do is to inform the insurance company about the car accident by calling their toll-free number as soon as possible. The forms are available in the official portal of the insurer and across their branches. You must submit a duly filled claim form and the required documents to the insurer. Next, take your car to the garage and estimate the damages done to your vehicle.
Once the insurer receives your claim application, they will send a surveyor to take note of the damages. They will prepare a report after analyzing the damages, and based on that report, the insurance company will send your car to the network garage to get repaired.
Once the repair work on your car is done, you must give the repair invoice to the surveyor after signing it. Also, submit any other document required and the payment receipt.
If the documents are in order, your car will be repaired at the network garage, and the payment of the repair expenses will be made by the insurance company directly via cashless claims
In case of reimbursement claims, policyholders are required to pay for the repair cost on their own after getting the car repaired. They can raise a claim later with the insurer by submitting all the original documents and invoices. The amount will be transferred to their account by the insurer as per the policy terms and conditions.
When it comes to third-party motor insurance claims, they are slightly different from the others. Here are the steps to follow to raise a third-party claim:
Below are the steps to follow to raise a claim in case your car has been stolen:
To Sum Up
The process of raising a claim for your car is easy. Also, these days insurance companies offer 24*7 customer support to allow the insured to communicate with the insurer anytime to clarify any doubt. Hence, you can resolve any query regarding your claims so that your insurance claim process becomes smooth. Just remember the fill out the form duly and keep the required documents handy to avoid any hassle.
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To file a vehicle insurance claim with Tata AIG, you can either call 1800-266-7780 or visit the Claims Support page of the insurer on their official website. Fill in the necessary information and wait for a link sent to your registered mobile number for self-inspection by the insurer.
The fundamental rule for raising an accidental claim is to lodge an FIR at the nearest police station and keep a copy for further proceedings. You must submit the FIR to your insurer after informing them of the accident as soon as possible.
Here are some insurance providers with the best car insurance CSR:
Tata AIG General Insurance Co. Ltd.
United India Insurance Co Ltd.
Go Digit Car Insurance
Acko Car Insurance, etc.
Raising a claim for your car damage is very simple and can be done within minutes via an online process. Read the information mentioned above to get details on the process of raising car insurance claims for car damage.
NCB is a discount in premium offered by insurance companies if a vehicle owner has not made a single claim during the term of the motor insurance policy.
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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