Procedure to Claim Motor Insurance
Motor insurance is a financial safeguard that helps cover damages or losses to your vehicle arising from accidents, theft, fire, or natural calamities. Knowing the correct procedure to claim motor insurance ensures a smooth and timely settlement. Here’s a step by step guide to help you through the process:
1. Inform the Insurance Company Immediately
The first and most crucial step after an accident or incident is to inform your insurance provider at the earliest. Most insurers have a 24x7 toll-free number or mobile app to report claims. Prompt reporting helps avoid claim rejection due to delay in intimation.
2. File an FIR (if necessary)
In cases of theft, major accidents, third party injury or damage, or any suspicious activity, registering a First Information Report (FIR) with the local police is mandatory. A copy of the FIR must be submitted to the insurance company during the claim process.
3. Submit Required Documents
Gather and submit necessary documents for claim processing. These typically include:
Duly filled and signed claim form
Copy of vehicle insurance policy
FIR copy (if applicable)
Copy of the driver’s license
RC (Registration Certificate) of the vehicle
Estimate of repairs from a garage
Photos of the damaged vehicle (if required)
Some insurers also request Aadhaar or PAN card for verification.
4. Damage Inspection and Survey
Once the claim is registered, the insurer appoints a surveyor to assess the damage. The surveyor inspects the vehicle, evaluates the extent of loss, and estimates the repair cost. You must cooperate fully and avoid starting any repair work before the surveyor’s visit, unless it’s a minor damage.
5. Garage Repairs and Cashless Service
If your insurer offers cashless claims and you take the vehicle to a network garage, the insurer settles the bill directly with the garage. You only pay for non covered items or deductibles. If you go to a non network garage, you must pay the full amount first and later get reimbursed by submitting bills and receipts.
6. Claim Settlement
After verification of all documents and the surveyor’s report, the insurance company processes the claim. In cashless claims, they directly pay the garage. In reimbursement cases, the amount is credited to your bank account after proper scrutiny.
7. Special Cases: Theft or Total Loss
If your vehicle is stolen or damaged beyond repair (total loss), the claim settlement involves a more detailed process. You must submit the final police report (non traceable certificate for theft cases), all original documents of the vehicle, and a “No Objection Certificate ” from the RTO. The insurer then pays the Insured Declared Value (IDV) after deducting applicable charges.
8. Keep Copies and Track Progress
Always keep copies of all documents submitted and track your claim status through the insurer’s website, mobile app, or customer service helpline.
Conclusion
Filing a motor insurance claim involves timely reporting, proper documentation, and cooperation with the insurer. Understanding the procedure helps avoid delays and increases the chances of a successful claim. Always read your policy details to know inclusions, exclusions, and claim terms before an incident occurs.
0 Comments
Post a Comment