3 Easy Steps to Avail a Cashless Car Insurance Claim in India

Car owners prefer a cashless car insurance policy for many reasons. In this system, the insurance provider is linked with several garages. In the case of an accident, the policyholder can go to any of these affiliated garages and get repairs done. The insurance provider directly pays the garage for its services. The policyholder does not have to pay anything except for the deductibles and, depreciation value if any.

In the case of a reimbursement claim, the policyholder has to pay the repair bills following an accident. They must then collect all relevant bills and other documents to raise a claim. The insurance provider will check the validity of the claim before reimbursing the policyholder.However, in a cashless claim, all payments are directly made by the insurance provider making it more convenient for the car owner. However, for cashless claims, you need to visit a garage that is listed as the affiliated garage by the company. Thus, it is vital to check the list before you buy car insurance online .

The cashless claim process is easy and convenient. In case of an accident, here is how to get a cashless claim on your insurance policy.

1. Step #1 - Take Your Car to an Affiliated Garage:

2. Step #2 - Get Your Car Surveyed:

3. Step #3 - Pay What is Not Covered at the Time of Billing:

1. The first step is to take the car to an affiliated garage. You can find the list of affiliated garages usually on a company's website or even by checking with the garage directly. Once at the garage, you will be asked to submit a claim form where you need to mention the reason for the accident along with other details. Make sure you keep all the documents handy.Once you have submitted your car for repair, a surveyor from the insurance company will visit and inspect the car. The surveyor will take photos of the damaged car and send it for approval. The insurance company will then call to tell you if the claim has been approved or rejected. Also, you will be informed about the extent of the damage covered. Once approved, the car garage will intimate you and start the repair process.Once the car is repaired, you can collect the car. While it is a cashless claim, you may still have to pay something from your pocket as per the terms and conditions of your policy.

While this will differ based on the policy and provider, here are a few reasons which could lead to your claim being rejected:

• Not having a valid driver's license and other essential documents at the time of the accident.
• If you're driving the vehicle under the influence of alcohol or drugs
• Not following traffic rules. Overcrowding the car, not wearing seat belts and parking in a no-parking zone are grounds for rejecting the claim
• The policyholder must inform the insurance provider of the accident immediately. The insurance may reject your claim if filed late or in case you provide false information.

It is always wise to prepare for the worse. An accident is an unfortunate event, and you shouldn't have to deal with bills when your loved ones need you the most. The cashless car insurance service is a must before choosing a policy.

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.