What are the excesses I may have to bear as part of the claim?
It involves compulsory deductions as agreed to in the policy and in case of total loss, the amount of depreciation as per the rate prescribed under the Indian Motor Tariff.
What to do when I meet with an accident?
Don't panic. Report the claim to the insurance company as soon as possible. Keep your insurance documents and bills handy for the insurance company to assist you at the earliest. Approach the nearest network garage for services.
What is a network garage?
A network garage is one that is authorized by the company and is capable of servicing claims for the vehicle-make owned by the customer.
Where can I find the list of garages in my city where I can avail Cashless Service?
The list of network garages is available on the insurer's website. You can even call their helpline number to receive instructions and guidance to the nearest authorized garage.
Where can I service my car if I have signed up for cashless claim?
Most insurance providers have their own network of garages and you can avail cashless facility only with these. At any other garage, not falling in the network of the insurer, cashless facility is not applicable.
However, the insurer will reimburse you as per the insurance contract.
Why do I need a cashless claim facility?
The key benefit of having a cashless claim facility is relief from stress, since the insurer directly handles the expenses. Besides the essential deductibles, he remains hassle-free regarding the settlement of expenses for the car damage.
The cashless claim facility for car insurance is a boon for policyholders. It may not be possible to have cash on hand always. This is precisely where cashless claim comes in handy. The free pick-up, towing and car wash facilities can prove very handy especially when you find yourself cut-off from assistance in remote areas.