A hefty amount must be paid by everyone when their car, which they desire to always appear new, incurs a dent or damage and requires repair. To prevent such financial burdens, insurance is obtained for the car to cover the costs in case of an accident. How to claim car insurance?
Why is third party insurance necessary?
When your vehicle is damaged, you are required to log in for an insurance claim. However, ensure that a valid third party insurance is in effect for your vehicle before filing a claim. If your first party insurance is valid but the third party insurance has lapsed, your insurance company may deny your claim.
What is NCB?
NCB is given to you when you renew your car insurance if you have not made any claims during the previous year. The amount of NCB can range from 10% to 50%.
Important documents that you must have while making a claim.
- Personal id card
- Driving licence
- Registration card
- Insurance policy certificate
- Claim form with duly signed
- FIR / NCR COPY
- Valid Affidavit
- Spot survey
- Spot photograph
Personal id card
Whenever you login to your vehicle, you will have to present the personal ID card of the vehicle owner for identification of the vehicle owner.
Driving licence
The person who was driving the car during the accident on the job was required to present his driving license at that time. This could have been the car owner, a relative, a friend,
Registration card
A registration card is a valid card for your car that contains complete information about your car, including the chassis number, engine number, vehicle brand, vehicle model, and vehicle color.
Insurance policy certificate
The insurance certificate discloses the company insuring your vehicle, the duration of the insurance, the number of facilities purchased in your policy and what is the IDV of your car. on the basis of which the insurance company will give you the claim.
Claim form with duly signed
The claim form requires the vehicle owner to provide detailed information about the car
including the time and location of an accident, how it occurred, and who was driving at the time.
The insurance company requires the claim form, filled with all necessary information.
to be signed and submitted by the vehicle owner.
FIR / NCR COPY
When your vehicle causes damage to any third party property. then you will receive a FIR from the police station.
You also require an FIR if your vehicle is involved in an accident resulting in injury or harm to a person.
In contrast, if no person or property is harmed during an accident with your vehicle, you need to file a non-criminal report instead.
Valid Affidavit
affidavit is made by you, verifying that the information provided in the claim form has been accurately repeated in it.
The insurance company may request an affidavit from you at its discretion.
Spot survey
If a serious accident damages your vehicle, you must maintain its current condition and then call the surveyor.
from the insurance company to conduct a spot survey of it.
Spot photograph
In the event of an accident in your vehicle, photos must be taken of your car from all sides and the scene of the accident. These photos will be crucial in the claim process and should facilitate a smooth resolution.
How to log in to claim with insurance company.
- First of all you have to login to claim in the insurance company.
- The insurance company requires you to send all the claim-related documents and the claim form.
- The insurance company will provide you with the claim number and surveyor details.
- If you have taken a cashless policy then you can get information about the garage from the insurance company.
- An estimate of the expenses involved should be obtained from the garage when you take your vehicle there.
- The surveyor should be contacted to have your vehicle inspected and an estimate obtained. A copy of this estimate should then be submitted to the surveyor.
- The insurance company will approve the work after checking the survey report submitted by the surveyor.
- After the work is completed on a cashless insurance claim, you will be able to retrieve your vehicle by paying the claim login charge and any liability as per the policy. The insurance company will deposit the remaining amount into the garage account.
- The garage will require you to pay the entire bill in cash if you have not opted for a cashless policy. You will then receive the bill and receipt as proof of payment.
- The insurance company will credit the amount to your account within 2 to 3 days after receiving the bill, receipt, and bank details from you.
Things to keep in mind. How to claim car insurance?
- A police report should be filed as soon as possible after your vehicle is involved in an accident.
- The insurance company should be informed about your vehicle’s accident and the logging in for the claim should be done without delay. 24-hour time limit is for the insurance company to log in the claim.
- In case of third party loss, you should note down the details of the third party.
EXAMPLE – If another vehicle collides with yours, the registration number, make and model, and color of that vehicle should be recorded.
The insurance company does not receive the claim in which situation.
- If your vehicle is registered personally and you are using your car as a taxi, then you do not get vehicle insurance claim.
- The insurance company does not give out vehicle claims when changes are made to the vehicle, such as altering the number of seats or modifying the car’s body.
- If an accident occurs while transporting any narcotic substance in the vehicle, the claim is not given by the insurer.
- The insurance company may reject a claim for damage caused by driving under the influence of intoxicants.
- The insurance company can reject your vehicle claim if you have installed a CNG/LPG kit but have not registered it.
READ ALSO : How to know about insurance policy.