Things to Keep in Mind while Filing Your Motor Car Insurance Claim Form

Accidents can happen anytime, anywhere, and to anyone. You cannot avoid them, but you can always avoid making mistakes while filing your motor insurance claim form. Proper filing of the claim form may not only reduce your mental and physical trauma but also help you in overcoming the financial setback to a great extent. Let’s take a look at the key points that you must comply with while filing your motor car insurance claim form.

• Photocopy of your motor insurance planand your driving license
• Photocopy of your motor vehicles’ registration certificate
• FIR or First Information Report that you have filed with the local police
• Filled and authorized claim form
• A fair estimation of the repair expenses
• Medical invoices

1. Whether you purchase a new vehicle or use an old one, you must always get it insured against a motor insurance plan. If you meet with an accident, your motor insurance plan will pay for the financial damages caused to your vehicle and will also cover your hospitalization costs. Availing a motor insurance plan has innumerable benefits that can only be experienced if you take all the necessary caution while filing your automobile insurance claim form.Before filing your motor insurance claim form, make sure you are ready with all the relevant documents. The things required to make a motor insurance claim are:
2. You must ensure that you initiate the claim on time, and there are no unnecessary hold-ups. A long delay, especially if a time period is specified by the insurer, might result in the rejection of your claim. Nevertheless, for an uninterrupted experience, you should always try and submit all the relevant documents as soon as possible.Consider taking your damaged motor vehicle to the nearest garage after having a word with your insurer. You can download the claim form online or get it from the garage itself if it is partnered as a cashless garage.Make sure you collect a document from the garage that fairly states the estimated expenditure that will be incurred upon the repairs of your motor vehicle.You must duly fill the claim settlement form by mentioning all the relevant details concerning the damage caused to your vehicle. Your claim form should include details like expenses incurred towards repairing the motor vehicle, medical, and hospitalization expenses (if any), etc.You must take necessary caution while signing the final settlement offered to you by your insurer against the claim. Ensure that the final amount offered to you is in line with the policy benefits that you have paid for.

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.