Car Insurance Claim Procedure


Auto insurance is compulsory in India under the Motor Vehicle Act 1988. Automobile insurance is the coverage of the risk of third parties arising from the use of a motor vehicle and also that of the risk of damage to the vehicle. Indians don't worry about life insurance plan or medical insurance plan, but they are more concerned about auto insurance whether they are driving a scooter or a bicycle or a car or a truck. It is mandatory otherwise if someone is injured without an insurance vehicle it will be treated as a felony.

Today everyone has their own vehicle, the roads are full of vehicles, the risk is high, so auto insurance companies are growing day by day and claims have also increased. But often policyholders don't know exactly what they can do to get their Auto Insurance Claim Procedure.

Here we explain the procedure for making a claim on your auto insurance policy. It will help you a lot.

How to make a claim on your auto insurance claim

We will understand this procedure in some step by step scenarios, so it will be very easy for us.

Claims for own damage: If your car has encountered an accident, you must follow these steps to claim damages:

  • Inform the insurance service provider – First of all, you must inform the insurer as soon as possible and you must submit a completed claim form with the required documents to the insurance company before sending the car to the garage for any repairs . The forms are available on the websites of insurance service providers. Most insurers follow strict guidelines and are mentioned in the policy documentation.
  • FIR Lodge – In some cases a First Information Report (FIR) is required, so take the FIR to the nearest police station for the safer side. Although it is not compulsory for the settlement of claims, it is advisable to file an FIR. It depends on the condition.
  • Assess the damage – Once you have informed the insurance service provider, they will appoint an expert who will assess / assess the damage to your vehicle. He will prepare a report and pass it on to the insurance company. You will also receive a copy and then you can move your car to the nearest network garage for repair.Note: If the damage is severe, the surveyor will reach the crash site as soon as possible for an inspection. .
  • Settlement of complaints – As soon as the insurance company receives the investigation report, they will analyze the claim request and send an approval to the garage. The garage will need to provide an estimated cost for repairing the vehicle and the time frame for the same. The insurer will contact the network garage for an overview of the extent of the damage and how the repair work is proceeding.

Once the work is completed, you will need to take the duly signed invoices and documents from the garage and submit them to the surveyor. The surveyor will send it to the insurance company.

If all documents are completed, the insurer will reimburse your bills. Keep in mind that there will be mandatory elements of deductible and variable deductible as stated in the policy document. Once your claim is settled and your car is OK, you can drive again.

Auto Insurance Claim Process for Third Party Claim: -If you are at fault in an accident where a third party sustains injury or property damage, here is what you should do:

  • Notify the insurance service provider – First of all, you must inform your service provider as soon as possible. Also remember not to make any financial commitments to third parties.
  • FIR Lodge – Place the FIR at the nearest police station and also keep a copy of the FIR for future reference.
  • Share the policy document – You must share a copy of your auto insurance policy with the third party, so that they can make a claim about it.
  • Automobile court claim – According to the Motor Vehicle Act 1988, civil liability claims are filed with the Traffic Accident Claims Court (MACT). The claim can be raised by the third party to the court closest to their residence or to yours.

After receiving all the documents, the insurance service provider will check the documents and assess the accident and if they find it satisfactory, you will get a lawyer appointed by them.

If the court orders you to pay the damages to the third party afterwards, the insurance service company will pay the premiums directly to the third party.

It should be seen if the situation can be settled out of court.

Claims for theft: If you find that your car has been stolen, follow the procedure below.

  • FIR Lodge – Place the FIR at the nearest police station and also keep a copy of the FIR for future reference.
  • Inform the insurance service provider – You must inform your service provider as soon as possible with a copy of the FIR
  • Once you have received the final report from the police station, make a copy and submit it to your insurance company. The insurance company will appoint an investigator. The investigator will write the report and submit it to the insurance company. Once this is done, submit the RC book of your stolen car to the insurance company.

  • Submit duplicate car keys along with a letter of subrogation. You will also need to submit a notarized indemnity on a stamp paper as well.

  • Once all the formalities have been completed, the insurance company will disburse the claim.

It is very important for us to know the formalities of auto insurance claim procedure, otherwise many people pay out of pocket due to lack of this information. Nowadays, all the insurance service provider has a very good customer support network and their teams are knowledgeable and cooperative, so you should contact your insurer whenever you need to. .

I wish you didn't need these procedures. I wish you had a Safe Drive, someone is waiting for you.

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