4 min read
Updated on Mar 28, 2023
Though you might feel that buying a four wheeler insurance policy year on year is a burden on your finances, the policy’s value is felt when a claim happens. Though you might boast of being the safest driver, accidents are common and, in some cases, unavoidable. In case of an accident, your car is not spared the brunt of damages and if your car faces any damage, a repair is inevitable. Needless to say, repairs incur expenses, expenses which are substantial and burn a hole in your pockets. A car insurance policy comes to your rescue in these situations. It pays for the damages suffered by your car if you have opted for a comprehensive car insurance policy. But, making a car insurance claim for accidental damage might be a difficult affair if you are not conversant with the rules.
Insurers have a protocol when it comes to claim settlement of car insurance policies. The first step in this protocol entails informing the insurer immediately after an accident has occurred. Insurers provide a helpline number to customers. This number is to be contacted in case of a car insurance claim for accidental damage. After informing the insurance company, a car insurance survey is arranged before your vehicle is repaired. But, is the survey necessary?
Of course, it is. After an accident, the company sends a car insurance surveyor to assess the extent of damages. This survey is important because:
Also Read: Depreciation on Car
Private cars and two wheelers: In case of private cars and two-wheelers, there are two choices. After you contact the insurance company, the company asks whether your car has minor damages or major ones. In case of minor damages, when your car or two-wheeler can be driven or towed to the nearest garage, the insurance company instructs you to take the vehicle to the garage. The surveyor then visits the garage, surveys the vehicle and then the repair work begins. However, in case of a major damage when your car cannot be driven arrangement for towing the vehicle to the garage will be made.
You may choose repairs at the Insurer’s preferred garage or you regular repairer. In the case of opted Add-on’s the preferred garage is the only choice.
Commercial vehicles: For commercial vehicles, spot survey in motor insurance is compulsory. The vehicle cannot be moved to any location without a survey is conducted first. This mandate for a spot survey is to eliminate any chances of inappropriate or aggravated losses which are high in case of commercial vehicles.
Also Read: Waterlogged Roads
How to make a proper claim: Since a survey is important, it is the next important step in making a car insurance claim after the insurance company is intimated. Here are the steps of making a correct car insurance claim for accidental damage:
Also Read: Best Car Insurance In India
If you follow these steps properly, your car insurance claim would be easily settled. A survey of the damaged vehicle is important. So, don’t forget to inform the insurance company of any accident as soon as it happens so that the company can arrange for the survey. So, get your damaged vehicle surveyed and get your claims settled quickly and easily.
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.
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.
Everything you need to know about car inspection as part of the insurance claim process. A car is one of your most valuable assets and.
Pollution is a huge threat that has been contributing severely to the deteriorating health of people in India. A major contributor of the increased air.
Airbags are among the significant safety innovations of the recent time as they provide vital cushioning to people sitting in a vehicle during a crash..
For keeping the environment clean and pollution free, people have now started using Electric Vehicles in India widely. Let us understand in this post how.
A car insurance policy number is a basic requirement during accidents, mishaps or at regular traffic police checking. Let us understand how to get an.
Accidents and uncertainties are part of life that comes unexpectedly without any prior information. Hence, it is very important to have a first aid kit.
To drive a car on Indian roads, the car needs to be covered by an insurance policy. However, to ensure continuous coverage, the policy needs.
High motor Insurance premium rates have been a cause of worry for many. Hence IRDAI introduced vehicle insurance based on usage where premium is levied.
With everything becoming online, buying insurance policies has also become smooth via online mode. If you are looking for any support on Bharti AXA Car.
Are you new to driving? Do you know what a third party claim in car insurance is and how to raise a third-party claim? If.
Speak to our advisor
Corporate Office : Mahindra Insurance Brokers Ltd ( A Mahindra Group Company ) Sadhana House, Ground Floor, 570 P. B. Marg, Behind Mahindra Towers, Worli, Mumbai 400018.
Licenced by IRDAI License No. 261; License Validity : 17-05-2025; Category : Composite Broker; CIN : U65990MH1987PLCO42609 Member of Insurance Brokers Association of India (IBAI).
Insurance is the subject matter of solicitation.
For a seamless experience, use the latest version of Chrome/Firefox/Internet Explorer.
Copyright © 2023 Mahindra Insurance Brokers. All Right Reserved.