How to Register Car Insurance Claim?

Posted on: Jun 11, 2019 | | Written by:

How to Register Car Insurance Claim?

Published on June3, 2019. EST READ TIME: 4 MIN

Your job just doesn’t end when you get a valid license and a registration certificate for your car. It is imperative that you insure your car with a car insurance policy that provides you financial and legal assistance at the time of claim. In case you have damaged your own car or a third person or property, then you can claim compensation from the insurance company by registering a car insurance claim with the said company. Claiming car insurance provides you compensation that wardens off the financial burden from your shoulder, thus also providing you good peace of mind. You can claim for car insurance by following the below steps to ensure a hassle-free claim experience.

Process for filing car insurance in case of damage caused to third party

Third party car insurance provides coverage to the third person or property in case you have damaged, injured or caused death to the said party. You can claim compensation towards damaged caused to the third party by following the below steps.

File an FIR at the nearest police station
In case the witnesses are ready to support your claim, note down their names and contact details
Click pictures and record videos of the accident sight
Take down the details of the third party involved. Also note the details of the third party i.e. policy details, vehicle number, name, contact details, etc.
Inform the insurance company about the accident. It is necessary that you intimate the company within 36-48 hours of the accident.
Your case will be registered at the tribunal court

In case of own damage claim

You can claim for own damage in case you have purchased a comprehensive insurance policy. A comprehensive car insurance provides you protection in case of damages caused to your own car, third person or property.

Inform the insurance company within 36-48 hours of the damage.

File a first information report, if required.

Before moving the vehicle from the accident spot, consult the insurance company or the police officer.

The car will be towed to the nearest garage station

A surveyor will be sent by the insurance company to assess the extent of damage done

You can opt for cashless claim service in case the car is repaired at the damage at the garage that falls under the network of the insurer.

On the basis of the coverage and the repair costs, the claim will be settled.

At the time of filing the claim, you will also have to submit documents such as registration certificate, policy copy, driving license, claim form, FIR copy and other documents.

In case of theft claim

If your vehicle is stolen, then you can claim compensation from the insurance company by registering a theft claim. In case the claim is approved by the insurance company, you will receive an amount equivalent to the IDV of the car. Insured declared value is nothing but the current market value of your car that is decided by the insurance company adjusting the same as per the depreciation schedule.

Steps to file theft claim

As soon as you find out your vehicle is stolen, visit the nearest police station and file an FIR.

Intimate the insurance company within 24-48 hours of the theft

Inform the RTO authority at which your vehicle is registered.

You will have to submit documents such as no trace report, invoice of the vehicle, registration certificate, car keys and others.

In case the car is not recovered, your claim will be cleared by the insurance company.

When car insurance claim, it is important that you inform the insurance company on time as delay in intimating the insurer can lead to claim rejection. Also, always file an FIR in case a third party is involved and do not get panic and try to run away from the situation. Also, opt for an insurance company that offers hassle-free claims service. With HDFC ERGO’s #JadliClaimService, you can register your minor claims virtually by clicking pictures of the damaged parts of the car and sending it to us through HDFC ERGO mobile app.

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

Layman's Guide to Understanding Car Insurance

Importance of Having a Valid Motor Insurance

5 mistakes people make while buying car insurance