How to File a Motor Insurance Claim

When purchasing motor insurance, the primary focus is the insurer’s claim process. We examine various factors, such as the claim settlement ratio, the availability of network garages for cashless claims, the necessary documents, and more. However, amidst all these considerations, we often neglect the crucial aspect of understanding how to track the status of our claims. Suppose you are currently an ICICI Lombard customer and have recently filed a claim for accident-related repairs, theft, or any other reason. In that case, this guide will provide you with assistance on how to monitor their progress effectively.

Initiating a claim on car insurance online involves several key steps:

1. Inform Your Insurer Immediately: Contact your insurance company immediately after the incident. Prompt notification is crucial for a smooth claim process.
2. File a Police Report if Necessary: For incidents like theft, vandalism, or significant accidents, lodging a First Information Report (FIR) with the police is mandatory.
3. Document the Incident: Gather evidence by taking photos of the damage, accurately noting the time and location,and collecting contact information of any witnesses.
4. Submit the Claim Form: Fill up the claim form provided by your insurer, making sure all details are accurate and complete.
5. Vehicle Inspection: Your insurer may arrange for a surveyor to assess the damage before repairs commence.
6. Repair and Settlement: Once approved, you can proceed with repairs. Depending on your policy, the insurer may offer cashless repairs at network garages or reimburse you based on the bills submitted.

Details and documents for motor insurance claims

Having the correct documentation is vital for a hassle-free claim process. Typically, you will need:

• Duly Filled Claim Form: Accurately completed with all necessary details.
• Copy of the Vehicle's Registration Certificate (RC): To verify ownership and vehicle details.
• Driver's License Copy: Proof that the driver was legally permitted to operate the vehicle at the time of the incident.
• First Information Report (FIR): Required for thefts, major accidents, or third-party damages.
• Original Repair Bills and Payment Receipts: These documents are essential for reimbursement claims.
• Policy Document: Copy of your current insurance plan for reference.

Tip: If you haven't filed a claim in the past year, you may be eligible for a no claim bonus in car insurance, which can help reduce your policy renewal premium.

Do's and don'ts for registering a motor insurance claim

Following to these guidelines can significantly improve the chances of a successful claim- 

Do's:

• Notify Your Insurer Promptly: Delays can lead to complications or even claim denial.
• Read Your Policy Thoroughly: Understand the coverage, exclusions, and claim procedures specific to your policy.
• Keep Copies of All Documents: Keep copies of all submitted documents for your records.

Don'ts:

• Avoid Unauthorised Repairs: Don't start repairs without the insurer's approval, as this may lead to claim rejection.
• Don't Misrepresent Facts: Always provide accurate information; discrepancies can result in claim denial.
• Don't Neglect Policy Renewals: Ensure your policy is active to avoid complications during claims.

How to track your motor insurance claim online

We have several ways to track your motor insurance claims. Below are the lists.

Through Website

• Visit our official website.
• Tap on 'Claims' under the dashboard.
• Choose 'Motor Claims.'
• Click on 'Check claim status and upload documents.'
• Enter the registered mobile number and input OTP.
• Your claim status will get displayed on your screen.

 Through ILTakeCare App

• Get this app from PlayStore or AppStore.
• If you use this app for the first time, share your name, email address, and contact number to register.
• Click 'Add Policy' to update your policy number on this app.
• Choose 'Motor Insurance', then under the 'Policy purchased by' section, click on 'Me.'
• Share policy number. If you don't remember this number, share your bike's registration and chassis numbers.
• Tap on 'Add Motor Policy.'
• Now return to the home page and click on 'Claims.'
• Select 'Policy Number.'
• Click on ‘Track Your Claim.’
• Select your claim number.
• Now, you can view the status of your claim.

Through WhatsApp

We have deployed RIA, our intelligent bot, to handle all your queries smoothly. Follow the below steps.

• Save 7738282666 in your phone book.
• Send 'Hi' on this number over WhatsApp.
• Click on 'Service Menu' and choose 'Help with Claims.'
• Tap on 'Options' and select 'Motor.'
• Again, click on 'Options' and choose 'Claim Status.'
• You can now view the exact status of your motor insurance.

It is worth noting that you should chat on WhatsApp with the number registered in your policy to get the status of your claim.

Conclusion

Understanding the process of claiming car insurance online is an important part of enjoying the insurance benefits. By following the steps mentioned in this blog, keeping the documents updated, and following the recommended practices, you can be sure to complete the claim process efficiently. Additionally, using online tools provided by insurers simplifies tracking and managing your claims.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.