While it’s important to know about various aspects of a motor insurance policy before purchase, it’s equally essential to know about the claim procedure. After all, the basic objective of motor insurance is to come to your rescue when the need arises. This article tells you the procedure of filing a motor insurance claim. Let’s start.

File an FIR


The first step involves filing an FIR. While filing for a claim involving road accident including a third-party, it’s mandatory to file an FIR. Even if your vehicle is stolen, an FIR is imperative. Get two copies of the FIR. Submit one to the insurer and keep the other one with you.

Inform the insurer

Inform your insurer at the earliest in case of an accident. Most insurers have a Toll-Free number where you can inform about the incident and raise a claim. While availing the policy, see the time-period within which you need to intimate your insurer.

While some insurers allow a week to report and raise a claim, others may offer a lesser window of 24 to 48 hours. Thus, it’s essential to get in touch with your insurer at the earliest.

Fill up the claims form with the required documents

You need to fill up the claim form with all the essential documents. Note that insurers don’t process a claim unless they get all the pertinent documents. The claim form can be downloaded from the insurer’s website. Generally, you need to attach these documents with the form and send it to your insurer:

Take photographs

To expedite the claim settlement process, taking photographs of the event helps. It acts as a robust proof at the time of settlement. You must also note down details of witnesses including their names, telephone number, etc., in case of a third-party claim.

The photographs taken goes a long way in establishing the authenticity of the claim. It also helps the insurer understand the quantum of damage and proceed accordingly.

Inspection from surveyor

Once you intimate the insurer about a claim, a surveyor comes for inspection. After inspecting your vehicle, he/she prepares a report and submits it to the insurer.
  1. Insurance policy
  2. Registration certificate of the vehicle
  3. Driving licence
  4. FIR copy

Only when you receive a go-ahead from your insurer, proceed with repairing your vehicle. Today, insurers have tie-ups with garages where you can repair your vehicle. The bills are sent directly to the insurer who reimburses the claim amount directly into your bank account.

In case you repair your vehicle in a non-network garage, make sure to collect the bills and submit them to your insurer. Also, don’t hide any facts as hiding facts can result in claim rejection on the grounds of non-disclosure of information.

Click here to apply for a motor insurance.

DISCLAIMER

The information contained herein is generic in nature and is meant for educational purposes only. Nothing here is to be construed as an investment or financial or taxation advice nor to be considered as an invitation or solicitation or advertisement for any financial product. Readers are advised to exercise discretion and should seek independent professional advice prior to making any investment decision in relation to any financial product. Aditya Birla Capital Group is not liable for any decision arising out of the use of this information.



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