Car Insurance Claim: Step-by-Step Process Car insurance is a financial safety net that protects you from unexpected damages, theft, or third-party liabilities. However, many people are confused or unprepared when it comes to actually filing a car insurance claim. Whether it’s a minor dent or a major accident, understanding the step-by-step claim process will help you stay calm and take the right action.
Types of Car Insurance Claims
Before jumping into the process, it’s important to know there are two main types of claims:
- Cashless Claim: The insurance company pays the repair costs directly to the garage in its network.
- Reimbursement Claim: You pay the repair bill first, and the insurer reimburses you after documentation.
Step-by-Step Process to File a Car Insurance Claim
Step 1: Inform the Insurance Company Immediately
- Call the customer care or use the mobile app/website of your insurer.
- Provide details of the incident: date, time, location, and the extent of damage.
- Most insurers have a 24-48 hour window to inform about an accident.
Step 2: File an FIR (if required)
- FIR is necessary in cases of:
- Theft
- Major accident
- Third-party property or bodily damage
- Theft
- Visit the nearest police station and keep a copy of the FIR.
Step 3: Take Photos and Gather Evidence
- Take clear pictures of:
- Damaged vehicle (from all angles)
- License plate
- Road condition, traffic signs, or other vehicles involved
- Damaged vehicle (from all angles)
- If possible, get statements or contact details of eyewitnesses.
Step 4: Submit the Claim Form
- Fill out the claim form (available online or through the insurer’s app).
- Attach:
- Copy of RC (Registration Certificate)
- Driver’s license
- Insurance policy document
- FIR (if required)
- Repair estimate (if reimbursement)
- Photos of the damage
- Copy of RC (Registration Certificate)
Step 5: Vehicle Inspection by Surveyor
- The insurer will send a surveyor to inspect the damage.
- This step is mandatory before repair begins (in most cases).
- The surveyor will assess the damage and approve the claim amount.
Step 6: Get the Vehicle Repaired
- Cashless Garage: Take your car to an authorized network garage and get it fixed. You only pay the deductible; the rest is handled directly.
- Non-network Garage: You pay the full amount and then claim reimbursement by submitting original bills and receipts.
Step 7: Claim Settlement
- After verification, the insurer processes the claim.
- Cashless claims are usually settled faster.
- Reimbursement claims take 7–15 working days (after all documents are submitted).
Common Reasons for Claim Rejection
- Driving under the influence of alcohol or drugs
- Invalid or expired driving license
- Delay in intimation or filing false information
- Unauthorized modifications to the vehicle
- Damage due to illegal use or negligence
Final Tips
- Always read your policy terms carefully to know what is covered.
- Keep emergency contact numbers of your insurer saved.
- Renew your policy before expiry to ensure uninterrupted coverage.
A smooth car insurance claim process depends on timely action, complete documentation, and honest communication. Following the steps above ensures your vehicle gets back on the road without unnecessary delays or hassles.