Process of Filing an Auto Insurance Claim
The idea of filing a claim when the need arises may seem daunting, but the process is easy and simple.
You can contact a claims specialist who will guide you through the entire process.
You can contact a claims specialist who will guide you through the entire process.
To file a claim
- Inform the insurance provider within 24 hours about the impending claim. If a third party is involved, tell your provider.
- Take photographs of the vehicle at the accident scene and gather as much information as you can about witnesses.
- Take your vehicle to the nearest garage approved by your insurance provider.
- If the situation demands, file an FIR. In case of theft, after investigation, if the vehicle is not found then the police will issue a no-trace certificate. Keep it safe.
- Provide your insurance provider with the necessary documents along with a duly filled claim form.
- A representative of the company may be appointed to assess the loss. They will file a report with the insurance company after inspection.
- If the claim is considered valid, the insurance company will release the funds. If your vehicle is in a network garage, this process will be cashless. The insurance company will settle the claim directly with the garage. If your vehicle is in a garage that is not part of the insurance provider's network, you will have to settle the amount with the garage and the cost of the claim will be disbursed to the account number provided by you to the company.
Terms and conditions of insurance claim
- Inform the insurance provider within 24 hours about the impending claim. If a third party is involved, tell your provider.
- The claim form will have to be filled by the vehicle owner himself and must be signed.
- After the approval given by the insurance company. Your vehicle will be repaired accordingly.
- Any item installed in your vehicle without the approval of the insurance company will have to be paid for separately by the vehicle owner.
- In case of less approval in the accident-hit vehicle, the insured will have to pay for it himself. You will have to talk to the surveyor.
- It will be the responsibility of the insured to provide the documents demanded by the insurance company.
- If CNG / LPG is fitted in your vehicle, then it is mandatory to update the insurance.
- If the vehicle has been sold, then it is mandatory to update the insurance. It is mandatory to update the name of the vehicle owner on the insurance.
- Any part which has rust/welding or sticking on it will not be covered in the claim by the insurance company.
- Make a claim on the vehicle in case of a collision/fight once. Only a single claim will be covered.
- On submitting the vehicle for claim, the DL (Driving License) will be verified, if the DL (Driving License) is found to be fake or incorrect then the full amount will be paid. The vehicle owner will have to make the payment.
- Please do not drive the vehicle after a vehicle accident/fight. The insurance company will not pay if there is damage to the engine and other parts while it is running.
Documents to be given in insurance claim
- RC of the car Photo of State
- Photo state of insurance
- Driving license
- PAN card of the insured
- Aadhaar card of the insured
- Smoke Pollution Certificate
- Photo of Bank Account State or Cancelled Check (Waiver in Cashless)
- Fitness Certificate (for 8-seater vehicles)
- Road Tax Certificate (Commercial Vehicle)
- Permit Certificate (Commercial Vehicle)
- FIR Report (Commercial Vehicle)
- Authorization of All India Permit (Commercial Vehicle)
General Exclusions of Insurance Policies
All vehicle policies come with some standard exclusions which are not covered.
- General wear and tear
- War and war-like conditions
- Racing, speed testing, Damage caused due to reliability tests
- Damage caused due to breach of contract
- Mutiny
- If only third-party liability cover is purchased Self-injury expenses and personal accident cover
- Driving without a helmet/seat belt
- Driving without a valid driving license
- Driving under the influence of alcohol or other intoxicants
- Increased conditions of restricted use – for example, flood Harm you already know about while riding
- Using a personal bike for commercial purposes
- Nuclear perils
- Consequential loss
Motors Claim
Motor insurance is a legal agreement between you and the insurance provider wherein you promise you pay a certain amount of premium to get coverage for your vehicle in case of theft, loss, accident, third-party injury, etc. As per the Motor Vehicles Act 2017, vehicle should have a valid third-party insurance. Following are some of the advantages of having a motor insurance in India.
Claim File
The best insurance agents go beyond claims and help their clients reduce risk before an incident occurs. The first step is to dig deeper into the exposure of the insured and ensure that there are no gaps in their coverage. Dealing with a claim is stressful enough without finding out that it is not covered loss. We also help our clients mitigate risl by providing loss control policies and enforcemer procedures. The Risk Management team at Chaturvedi Motors continuously updates the resources and e-learning courses available to you to help promote safety and minimize losses (You can contact our Risk Management team at +918650972102.
Claim Process
The expertise of insurance brokers is not just about insurance policies. His training and experience focuses on specific types of insurance, but also risk management. An insurance broker helps both individual people and companies get the right insurance for themselves, their home, business and family. Many brokers focus on a niche, dealing with one type of insurance or within a specific industry. Many others offer advice on multiple insurance types. Overall, insurance brokers help you find the right insurance and process the claim – usually at no cost.
Support
Cashless facility is a facility provided by the insurance company. Wherein the policyholder can get the cashless facility and get the required vehicle parts without paying directly to the garage. The eligible claim expenses will be settled directly with the garage by the insurance
company. Cashless claim facility can be availed only at empaneled garages in the network of the insurance company.
How To Claim?
In the event of an incident giving rise to a claim under the policy, the following steps should be taken.
In case of accidental damage to the vehicle
- Ensure Safety: Check for injuries and ensure everyone is safe. Move to a secure location if possible and turn on hazard lights.
- Contact Authorities: Report the accident to local law enforcement and obtain a police report if required. This documentation is crucial for insurance claims.
- Exchange Information: Gather and exchange contact, insurance, and vehicle details with all parties involved. Take photos of the accident scene and damages.
- Notify Your Insurance: Report the accident to your insurance provider as soon as possible. Provide them with all necessary information and documentation for your claim.
- Seek Repairs: Arrange for an assessment and repair of your vehicle through a certified repair shop. Keep records of all repair-related expenses and communications.
In case of theft of the vehicle
- Report to Authorities: Immediately contact the police to report the theft. Provide them with all necessary details, including the vehicle’s make, model, color, VIN, and license plate number.
- Notify Your Insurance Company: Inform your insurance provider about the theft and file a claim. Provide them with the police report number and any other relevant information.
- Check Surveillance and Witnesses: If the theft occurred in a public or monitored area, check for security camera footage or ask nearby witnesses if they saw anything.
- Alert Local Towing Services and Dealerships: Notify local towing companies and dealerships about the theft. They may have information or come across the vehicle.
- Monitor Online Platforms: Keep an eye on online marketplaces and social media for any signs of your vehicle being sold or discussed. Alert the police if you find anything suspicious.
In case of liability claim
- Document the Incident: Gather and record all relevant information, including details of the accident, photos of damages, witness statements, and any police reports. This documentation is crucial for substantiating your claim.
- Notify Your Insurance Company: Contact your insurance provider promptly to report the incident. Provide them with all relevant information and cooperate with their investigation to facilitate the claim process.
- Review Your Policy: Familiarize yourself with your insurance policy’s terms, coverage limits, and any exclusions to understand your rights and obligations under the policy.
- Seek Legal Advice: If necessary, consult with a legal professional to understand your rights and responsibilities, especially if the claim involves significant damages or potential litigation.
- Keep Records: Maintain detailed records of all communications, expenses, and interactions related to the claim. This includes correspondence with the insurance company, legal counsel, and any parties involved in the claim.
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