An insurance claim is a formal request to the insurance company for compensation for the damage incurred by the policyholder. The compensation is provided in accordance with the coverage provided by the insurance company under the insurance agreement to the policyholder.
There are two ways to file an insurance claim: cashless or reimbursement. When a policyholder gets their car repaired at one of the insurance company's partner garages, the claim is settled in a cashless manner because the insurance company pays the garage directly for the repair costs.
Documents Required For A Car Insurance Claim To Be Processed
The policyholder must submit certain documents as part of the car insurance claim settlement process in order to validate and accept the claim. Along with the submission of the required documents, you must also complete the insurance claim paperwork. The following documents are required as part of the claim settlement process:
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- A copy of the police station's First Information Report (FIR)
- A copy of the insurance policy
- A copy of the driver's license
- A copy of the car's registration certificate
- Additional documents in the event of a reimbursement claim
- A rough estimate of the repairs
- A medical report in the event of physical injuries
- Original receipts for other costs
How to file a claim for personal car damage
When filing a claim for damage to your own car, you must follow these steps:
- First and foremost, you must notify your employer before sending your car to the garage for repairs. Once you've done that, the company will send a surveyor to examine and verify the damages, making it easier to get your claims paid. The examiner's report will be sent to you and your insurance carrier, and it will include documentation of the damage as well as an assessment of the extent of the damage.
- Second, you must complete and submit your insurance provider's designated claim form. This is something that can be done both online and offline. You must, however, guarantee that no crucial elements are overlooked.
- Third, you must provide the requested documents, which normally include a copy of your driver's license and a copy of your vehicle registration certificate, together with the form. You must also submit a copy of the police report in the case of theft or highway accidents.
- You should provide a copy of the bill to support your claim once the automobile has been fixed and you have received the bill.
- Once all of the paperwork has been examined and verified, the insurance company will process the claim and reimburse you for your losses.
How to File a Third-Party Damages Claim
If you were involved in an accident that resulted in third-party injury or property damage, you can make a claim by following these steps:
- As soon as you receive the claim notice, notify your insurance company. Along with this, you must also present your car's registration certificate, your driver's license, and the police report.
- Once the documents have been confirmed, the insurance company will supply you with the services of a lawyer.
- If you are held liable to pay damages once the case goes to court, your insurer will make the payment on your behalf, up to the amount insured.
Steps to Filing a Theft Claim
If your car has been stolen, you can submit a claim with your insurance company by following these steps:
- First, as quickly as feasible, submit a police report and file a FIR. Send a copy of the FIR to your insurance carrier once this is completed. Send a copy of the final police report, as well as the registration certificate, with this.
- The insurance provider will reimburse you for the sum insured once all of the documents have been validated and all of the formalities have been completed.
When You've Been in a Car Accident, What Should You Do?
Accidents are unanticipated and can leave us perplexed. If you are involved in an accident, the following items can assist you in filing a claim more effectively:
- Inspect yourself and your vehicle for damage right away. Determine whether or not you require medical care based on your condition.
- If another car is involved in the accident, try to take down the details of the other party. This will make it easier to locate the other party.
- If possible, take down the contact details of witnesses in the vicinity, as they can confirm your testimony.
- Inform your insurance company and request a surveyor.
- You can now choose the cashless claims option if you have access to a partner garage.
