Car Insurance Claim Procedure
. Here we are explaining the procedure the way to claim on your automobile insurance policy.
this may assist you tons. How to claim on your automobile insurance Claim We will understand this procedure in some scenarios step by step so it’ll be very easy for us.
Claims for own-damage
: If your car met with an accident, you ought to follow these steps to say for damages: Inform the insurance service provider –
First and foremost you ought to inform to the insurer at the earliest and you’ve got to submit a duly filled in form alongside the
specified documents to the insurance firm before you send the car to the garage for any repairs. The forms are available on insurance service provider’s websites.
Most insurers follow strict guidelines and its mentioned within the policy documentation.
Lodge FIR – In some cases, First Information Report (FIR) is required so lodge FIR to the closest police headquarters for the safer side. Although it’s going to not be mandatory for claim settlements But it’s advisable to lodge an FIR.
It depends on the condition. Assess the damage – Once you inform to the insurance service provider, they’re going to appoint a surveyor who willassess/evaluate the damage of your vehicle.
He will prepare a report and pass it on to the insurance firm.
you’ll also receive a replica then you’ll move your car to the closest network garage for repair.
: If the damage is severe then surveyor will reach the spot of the accident at the earliest for survey. Claim settlement – As soon as insurance firm receives a survey report, they’re going to analyze the claim request and sends an approval to the garage.
The garage will need to provide an estimated cost for the vehicle repair and timelines for an equivalent.
The insurer is going to be in-tuned with the network garage for an overall view of the extent of injury and therefore the way during which the repair work is proceeding.
After the work is completed, you’ll need to take the duly signed bills and documents from the garage and submit them to surveyor. Surveyor will send it to the insurance firm.
If all the documents are completed, the insurance provider will reimburse your bills. confine mind that there’ll be some
compulsory deductible and variable deductible components, as stated within the policy document. Once your claim settled and your car is OK then you’ll drive again.
Car insurance claim process for a 3rd party claim:
-If you’re liable for an accident where a third-party suffers injuries or damage to property, here is what you would like to do: Inform to the insurance service provider – First and foremost you ought to inform to your service provider at the earliest.
Also, remember to not make any financial commitments to 3rd party.
Lodge FIR – Lodge FIR at the closest police headquarters and keep a replica of the FIR for future reference also.
Share policy document – you ought to mandatorily share a replica of your automobile insurance policy with the third-party, in order
that they will raise a claim thereon. Claim at Motor Tribunal – consistent with the automobiles Act 1988, third-party liability claims are raised at the Motor Accident Claims Tribunal (MACT).
The claim is often raised by the third-party at the tribunal closest to his/her residence or yours. After receiving all the documents, the insurance service provider will verify the documents and assess the accident and if found satisfactory, you’ll get a lawyer appointed by them.
If the court directs you to pay the damages to the third party thereafter, the insurance service company will directly pay the dues to the third party.
It is advisable to ascertain if things are often settled amicably outside the tribunal.
Claims for theft: If you discover that your car has been stolen then follow the below procedure. Lodge FIR – Lodge FIR at the closest police headquarters and keep a replica of the FIR for future reference also.
Inform to insurance service provider
– you ought to inform to your service provider at the earliest with a replica of FIR Once you receive the ultimate report from police headquarters, make a replica of it and submit it to your insurance firm.
The insurance firm will assign an investigator.
Investigator will make the report and undergo Insurance firm. Once that’s done,
submit the RC book of your stolen car to the insurance firm. you’ll also got to submit a notarized indemnity on a stamp paper also. Once all the formalities are completed
- insurance claim for a car accident
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