How To Claim Car Insurance?

Posted on: Feb 20, 2019 | 3 mins | Written by: HDFC ERGO Team

How To Claim Car Insurance?

A car insurance policy provides the vehicle with coverage from losses due to unforeseen scenarios. If your vehicle gets damaged due to any insurable peril, you will have to file a claim. When we have to file a claim for car insurance , first thing that comes to our mind is, "How to Claim Car insurance?" In this article, we will briefly see how to file claim for car insurance.

How to Claim Car Insurance With HDFC ERGO?

We at HDFC ERGO have a 100% claim settlement ratio. Now, let us see the process to file car insurance claim with HDFC ERGO.

• Register the claim by visiting our website or by calling us on our customer service number.

• After claim registration, the policyholder receives a claim registration number which can be used for future communications/references.

• The insured person should take the damaged car to a network garage in case of cashless claims. If the insured takes the car to the garage of their choice, they will have to go for a reimbursement claim for repairs.

• Submit all the required documents with the surveyor.

• The car insurance company confirms its liability and initiates the claim process.

Documents Required for Filing a Car Insurance Claim

1. Registration Certificate (RC)

2. Copy of Driver's license

3. FIR filed at the police station

4. Repair estimates from the garage

5. Know Your Customer (KYC) documents

6. If the accident has risen out of a mutinous act, strikes or riots, then filing an FIR is mandatory.

7. For theft related claim Letter of Indemnity and Subrogation will also be needed.

How to claim car insurance (In General)?

In spite of having car insurance, you may not be able to take swift action because of lack of knowledge about how to claim car insurance after an accident.

• At the time of an accident, take down the registration number of the other car involved and try to take sufficient pictures and video of the accident spot with the vehicle and objects involved. An FIR is usually lodged when there is damage to third party property, injury, theft of vehicle, and other major loss/ damages. Once you have taken these initial steps just contact the insurer to register your claim.

• From the authorised garage you can get a repair estimate which should be submitted along with the filled claim form and other necessary documents for claim processing.

• At the time of claim settlement, any costs related to depreciation, non-accident related repairs and other minor deductibles are liable to be paid by the policy holder.

Conclusion

Throughout the HDFC ERGO CAR INSURANCE CLAIM process, the policy holder is required to provide complete support by means of proper documents and utmost patience. With HDFC CAR INSURANCE POLICY, your ordeal is sure to get over swiftly in a hassle free manner.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

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