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How to Claim Insurance for a Car Dent?

While driving a car, a few incidents are unavoidable; a dent is just one of them. It is critical to understand the claim process to avoid any last-minute hassles.

  • 23 Jan 2023
  • 3 min read


Purchasing a car is not a one-time expense. You will need to set aside some of your earnings to cover its operational and maintenance costs. Even minor car damage can result in significant repair bills. But, if you have a comprehensive motor cover, you won't have to worry about maintenance. Insurance provides financial assistance if repair costs are incurred as a result of an accident, fire, or other tragic events. Also, you will be compensated if you lose your car to theft or total damage. 

While driving a car, a few incidents are unavoidable; a dent is just one of them. It is critical to understand the claim process to avoid any last-minute hassles.

How to Claim Insurance for a Car Dent in India?

Follow these steps to raise a car insurance claim: 

  • Notify your insurer: Notify your insurer as soon as possible following the accident that damaged your vehicle. You can dial the toll-free number to reach the claim support team.
  • File an FIR: If the claim is for theft or an accident, you must file an FIR with the nearest police station.
  • Save the claim number: When you submit your claim request, you will be given a claim acknowledgement number. Save this number for future reference. You will need it to track your claim status.
  • Inspection: Your insurer will dispatch a surveying officer to assess the extent and nature of the loss. The officer will prepare a report based on his/her evaluation and send it to the claim support team.
  • Garage appointment: Following the inspection, you will be given a list of nearby network garages. You can arrange to have your vehicle towed and the repairs completed. You may also visit a non-network garage. In that case, you cannot avail of the cashless claim facility and will have to file a reimbursement claim.

Following the completion of the preceding steps, the insurer will settle the claim.

Also read:

Documents required for the claim settlement process

Make sure you have the following documents handy to ensure your claim is settled smoothly.

  • Submit the duly filled claim application form
  • FIR copy is mandatory if the claim is related to accidental damage or theft
  • You must provide a copy of your vehicle's registration certificate as well as the driver's licence of the person driving the car at the time of the accident
  • If the vehicle in question is purchased on loan, you must obtain a No Objection Certificate from your lender. It will be required as part of the claim procedure.

Why is it not advisable to file a claim for dents?

As said, dents are unavoidable. If you file a claim for it, keep the following drawbacks in mind:

  • A dent claim will result in the loss of your No Claim Bonus Car Insurance, eventually raising the policy premium during renewal.
  • Car insurance comes with a compulsory deductible. You must pay this amount at the time of filing your claim. It makes no sense to go through the claim process if the deductible and claim sum are equal.
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