Updated on - 09 Feb 2026
Want to make a car insurance claim, but not sure how it works? We're here to help! To get your insurance benefits in case of accidental damage, you need to know the proper process of filing a claim. Understanding each step helps you avoid delays, incomplete documentation or claim rejection. Whether it’s a minor dent or a major accident, knowing what to do immediately after the incident is crucial. This guide walks you through the entire claim process, from notifying your insurer to vehicle inspection and settlement. With these simple steps, you can ensure a smooth and stress-free claim experience.
Documents required to file a car insurance claim
The list of standard documents that you will need while submitting a claim is:
- Copy of your car insurance policy document
- Vehicle registration certificate
- Your driving licence
- First Information Report (FIR) filed by the police (in case of an accident, theft or third-party damage)
- Duly filled claim form
- Original repair bills and payment receipts from the garage (in case of damage repairs)
- Medical bills in case you were injured in the incident
- No trace report from the police stating that the vehicle is untraceable (in case of theft)
- Any other supporting documents requested by the insurer (such as identity proof or address proof, if needed)
Step-by-step process for filing a car insurance claim
When you've insured your vehicle with us, you'll find claiming is simple and hassle-free. We’ll assist you with the entire insurance claim process so that you can rest easy. Here’s the detailed procedure for filing a car insurance claim with us:
Step 1: Inform the insurance company
Call us on our toll-free number, 1800 2666, as soon as possible after the incident. You can also contact us through several other modes:
- Lodge a claim on our website or app
- SMS "CLAIM" to 575758
- Write to us at customersupport@icicilombard.com
Step 2: File an FIR (if required)
For theft, third-party damage or catastrophic accidents, file a First Information Report (FIR) at the local police station. It serves as formal documentation of what happened and is often needed to handle claims.
Step 3: Collect evidence
Take clear photos and videos of the accident site, your vehicle’s damage or third-party damage. If there are witnesses, note down their contact details. This will help you strengthen your claim.
Step 4: Submit the claim form and documents
Duly fill and submit the claim form along with the required documents mentioned above.
Step 5: Vehicle inspection by a surveyor
To help us survey the extent of damage to your vehicle, use the InstaSpect feature on our IL TakeCare app. The app is available for download on the Play Store and App Store. A surveyor may visit to assess the vehicle in person.
Step 6: Repair the vehicle
Now, send the vehicle for repairs. You can either take the car for repair to a network garage or a workshop of your own choice.
Step 7: Claim settlement and additional benefits
Once the survey and verifications are complete, the insurer processes your claim. There are two types of claims depending on how your car was repaired:
- Cashless claim: If your car is repaired at a preferred partner garage in your area, the bill is directly settled with the workshop by the insurer, and you just pay your share of the deductible.
- Reimbursement claim: You can have the vehicle repaired at any garage of your choice, pay the bill yourself and then submit the original receipts for reimbursement.
The type of claim and other benefits also depend on your insurance and insurer. For instance, if you’ve opted for our car insurance with Garage Cash cover, we’ll also provide a daily allowance while your car is at the garage. You can use this allowance to pay for auto or taxi fare till your car is back.
Common mistakes to avoid while filing a car insurance claim
Many people make avoidable mistakes that delay the claim process or even lead to rejection. Here are some of the most common issues to watch out for:
1. Not informing the insurer immediately
One of the main reasons claims are denied is delayed notice. Always tell your insurer as soon as an incident happens, whether it is an accident, theft or significant damage.
2. Skipping the police report
For theft, accidents or third-party damages, filing an FIR is mandatory. Failing to do so can weaken your case and make claim settlement more difficult.
3. Ignoring evidence collection
Failing to take photos or videos of the damaged vehicles, accident spot or third-party involvement can weaken your claim. Evidence strengthens your case and accelerates the approval process.
4. Providing incomplete or incorrect details
Submitting incorrect information on the claim form or missing any required details may result in rejection or delays.
5. Getting the vehicle repaired before the inspection
If your vehicle is repaired before the surveyor assesses the damage, your claim may be denied. Always wait for the inspection before starting repairs.
6. Not using network garages
For cashless claims, repairs must be carried out at insurer-approved garages. Visiting a non-network garage may require you to pay upfront and then wait for reimbursement.
7. Overlooking policy terms and exclusions
Many claims are rejected because policyholders are unaware of exclusions, deductibles or coverage limits. Always check your comprehensive car insurance policy terms carefully.
8. Driving without a valid license or with expired documents
If an accident was caused when you were driving without a valid licence, RC or expired four-wheeler insurance, your claim will be rejected.
9. Trying to manage everything alone
Handling car insurance claims can be confusing when done alone. You should never deal with a third-party insurer or settle with the other party on your own. Failing to reach out to customer support or seek professional advice can result in claims can be rejected or financial loss.
How to track your car insurance claim status online?
After filing your claim, you can track its status online:
- Visit the official website or open the insurer's mobile app.
- Log in with your registered mobile number, email ID or policy credentials.
- Navigate to the “claim status” or “track claim” section, usually available on the dashboard or under the claims menu.
- Enter your claim reference number, policy number or vehicle registration details.
- Submit the information to view the current status, including pending approvals, surveyor reports or settlement details.
Conclusion
Handling a vehicle insurance claim doesn’t have to be complicated if you follow the right steps. Whether you're filing an own damage or third party car insurance claim, you need to follow the standard procedure of the insurer to smoothly navigate the process and get the settlement amount without any delay. You can also track your claim status online to stay updated at every stage.
For personalised guidance or help with your car insurance policy, fill out the form on this page. Our expert will assist
FAQ
1. Can you file a car insurance claim for damages caused by natural disasters?
If your policy includes coverage for natural disasters like floods, storms or earthquakes, you can file a claim for repairs or replacement of your vehicle.
2. How long does it usually take to settle a claim?
Settlement times vary depending on the insurer, claim type, verification process, etc. However, on average, most claims are processed within 7 to 15 working days once all necessary documents have been submitted.
3. Does your no-claim bonus get affected if you file a small claim?
Filing a claim can reduce your no-claim bonus, but some insurers offer add-ons to protect it even after one or two minor claims.
4. Will using a non-genuine spare part affect your claim settlement?
Using non-genuine parts may affect the approval of cashless claims. Reimbursement claims may still be settled, but check your policy terms for coverage limitations.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. 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.