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Home > Insurance Information > Car Insurance Info > Understanding Car Insurance Online. Claims Procedure in India


Understanding Car Insurance Online. Claims Procedure in India

March 18, 2013
 
Car insurance is an integral part of every car owner’s life in India. It is crucial to buy one, in order to stay away from legal implications and to enjoy the benefits offered. However, this is only possible if you get claim approval when needed. Unfortunately, many insurance buyers don’t know the procedure of making a claim. Not understanding the terms and conditions, related to making a claim can make you face rejection. There are several things you require to take into account before making a claim. First and foremost, you should understand about car insurance claims in detail. What is car insurance online claim? Claim can be defined as a legal statement made to gain the following: Money as per the terms of insurance Enforcement of a right against third party as stated in the policy The legal document that carries ‘claim’ is often referred to as a ‘Statement of Claim’. It is a a kind of communication expressed in amount of money which the party is entitled to pay or reimburse. Consumers may face many issues when filing ‘statement of claim’. Although the process of filing a claim is straight forward, it is vital to carry it out in a proper manner. In the event of failure to do so, the claim may be declared null and void. Check out the process for car insurance claims in India: Step 1: Notify the Company First, you should call your insurance company or representative at the earliest. Make sure you follow this step regardless of how far you are from home. It is crucial to inform the insurance company about the accident. Step 2: Get Guidance You should get adept guidance on how to proceed with claims process from your insurance provider. Know about the forms and important documents required for the same. You can get this information on car insurance online website. Step 3: Documentation You may require a "proof of loss" form in conjunction with documents related to your claim such as bills for car repair, medical bills etc. Make sure you supply all of the necessary info to the insurer in order to process claim. Step 4: Expenses Keep records of all of your expenses incurred due to an accident. Step 5: Keep Records Make double sure you keep records of paperwork intact. The documentation may be required for reference later. Process of Registering a Car Insurance Claim Step 1: Note the number of the other vehicle involved (if any). Step 2: List out names and contact details of witnesses (if any). Step 3: Get in touch with the insurance provider’s 24x7 call centre. Also keep claim number / reference number handy. Step 4: Contact call centre representative to get the details of documents needed for processing of claim. You should also provide the details of preferred garage, where the facility for cashless repair is available. Step 5: File an FIR (First Information Report) at the nearest police station in the event of theft, damage to property, bodily injury, and other major damages. What happens After Registering the Claim? The customer service manager from the insurance provider will get in touch with you. This happens within 24 hours of claim registration. Once the manager reaches the appointed place, you need to submit the copy of documents to him and get the originals verified. The manager will get the estimate for the repairs of your car. He will give spot approval after inspection. Once the repair process is completed at one of the network garages, the company will pay the bills directly to the garage (as per the terms stated in the policy). Documents Required for Accidental, Theft, and Third Party Car Insurance Claims Accident Claims FIR based on the case Duly signed claim form RC copy of the car Driving license copy First two pages of policy copy Original estimate Original repair invoice Payment receipt Theft Claims Duly signed claim form RC copy of the car with original keys Original FIR copy Driving license copy Original policy copy Final or no trace report from the police stating that the vehicle is untraceable Duly signed RTO transfer papers with Form 28, 29, 30 and Form 35 (if hypothecated) Third Party Claims Duly signed claim form Driving license copy Police FIR copy RC copy of the car Policy copy Stamp for company registered vehicle For Cashless Car Insurance Online Claims Facility These days, you can avail cashless car insurance online claim. The facility can be availed for car repair in any of cashless garage network that the insurance provider is affiliated with. In case, the car is serviced in a garage that’s not affiliated with the provider’s network, then you can claim reimbursement for the same. For towing, you can claim charges up to 1,500 INR through insurance provider’s call centers. It is wise to get a list of cashless garages network to know about the repair centre for your car. Reasons for Car Insurance Claims Rejection Here are some circumstances under which your insurance claim may get rejected: Your Fault If the insurer provider comes to know that you were at fault for theft of car, third party damage, or an accident. Exclusion The claim falls under exclusion clauses in the policy. Inaccurate/False Information The information provided was not entirely true and the insurer has learned about your version of events. This may even invite some legal or criminal repercussions. Wrong Information about Personal and Vehicle Details at the time to Purchase False/inaccurate information when you bought the car insurance online. Lack of Documents You are not able to provide adequate documentation to support a claim. Misinformation about Value of Loss or Damage The value of the items claimed is estimated by the insurer to be less than what you actually claimed.

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