Car Insurance Claim

A car insurance claim is a process wherein an insured asks the car insurance company to compensate him/her for the damages that are sustained by his/her car after an accident. Or at times, it is when the insured asks the insurance company to represent him/her or intervene on his/her behalf when the insured is responsible for any unintentional damages caused to a third-party. Since one pays car insurance premium, it is one’s right to make a claim when he/she is involved in an accident.

Car Insurance Claim Process

There are two types of claim processes for a car insurance policy, they are:

CAR INSURANCE CASHLESS CLAIMS :

In cashless car insurance claims, an insured does not have to pay upfront for the repairs at the network car garages of the insurance provider. It is the car insurance provider who settles the claims with the workshop on behalf of the policyholder. However, the damages must be covered in the insurance policy taken by the insured.

CAR INSURANCE REIMBURSEMENT CLAIMS :

For claim reimbursement, an insured has to pay for the repairs of the damage. And later, depending upon the terms and conditions of the car insurance policy, a reimbursement claim is made. In this type of car insurance claim, an insured does not need to get his/her car repaired at a network car garages of the insurance provider. However, the insured needs to submit the bills and repair receipts with the policy provider.

How to make Car Insurance Cashless Claims?

Follow the below steps to avail cashless claims for car insurance:

• Register the cashless claim by calling the insurance provider on its toll-free number or through its website, email or mobile app.

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

• Take the damaged vehicle to any of the authorized network garages of the insurance provider for repairs.

• Submit all the required documents to the surveyor.

• The car insurance company confirms its liability.

NOTE: In the case of a cashless claim, the damaged vehicle is repaired at an authorized garage only. And, the insurance company will settle all the bills of the garage directly.

How to file Car Insurance Reimbursement Claims?

Follow the below-mentioned steps in order to avail reimbursements claims for a car insurance policy:

• Register the claim by calling the insurance provider on its toll-free number or through its website or by email.

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

• Take the damaged vehicle to any car garage for repairs.

• Submit all the required documents with the surveyor.

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