How To Fill The Claim Form?

1. Basic Details

The insurance form starts with basic details of the policyholder such as Name, Policy Number, Communication address, State, Country, Pin code, and other contact details such as Phone number, Email address, PAN Number, Aadhar Number, etc.,
It is of utmost importance to provide correct contact details such as phone number and email because the updates regarding the claim will be sent periodically to the mail and mobile number provided in the claim form.

2. Claim Intimation Number

The insurance claim form has a separate column for “Claim Intimation Number” which is to be filled in before submitting the claim form. The insurance company provides the claim intimation number after the policyholder informs the company of the accident and registers for a claim. This claim intimation number is to be written clearly and policyholders are advised to avoid making any mistakes, as the claim may be struck if the claim intimation number is mentioned wrong in the claim form. This claim intimation number is to be noted by the policyholder and for any further communication with the insurance company, this number should be mentioned without fail.

3. Driver Details at the Time of Accident

The next major part of the claim intimation form is the details of the driver at the time of the accident. The driver can be the Owner Paid driver or Relative/Friend. The driving license number of the driver at the time of the accident should be mentioned in the claim form

The claim will not be settled if the vehicle is driven by a person’s license. This would be a clear deviation from the law whereby no one is supposed to drive a vehicle without a valid driving license.

4. Accident details

The details of the accident/ theft are the next main thing to be mentioned in the claim form. A brief description of the accident or theft is to be mentioned in the claim form. The description must include the date and time of the accident and the cause of the accident. Other details such as the number of passengers traveling in the car should also be mentioned

If any third party casualty or property damage has happened at the time of the accident, the same should be mentioned and an FIR should be submitted for Third party claims and theft claims.

5. Vehicle Details

The vehicle details such as the MAKE, MODEL, REGISTRATION number, and Chassis Number should also be filled in the claim form correctly. The insurance company will cross verify this with the Registration Copy provided and the details in the policy copy

If the details provided by you do not match the RC COPY and the Policy copy, then the claim may be rejected or put on hold by the insurance company. So it is of utmost importance to ensure that the Make, Model, Chassis number, and Engine number are printed properly on the policy copy and the RC copy.

6. Declaration

The last thing to be done in the claim form is to sign the declaration provided at the bottom. This is the declaration given by the policyholder with utmost good faith and any false information provided by the policyholder in the claim form can be used against him/her. The 4 wheeler car insurance renewal can be done with ease using the Policybachat portal which has dedicated agents to listen to you and sell the correct policy

The declaration is to be signed only after reading the terms and conditions in the claim form. The insurance company reserves the right to investigate the accident and question people involved with the accident and decide upon the claim settlement.

Key Components of a Car Insurance Claim Form

Understanding these key components of the car insurance claim form will help you gather the necessary information and supporting documentation accurately. It ensures that you provide all the relevant details for the smooth and efficient processing of your car insurance claim.

A. Personal Information:

• Policyholder's name, address, and contact details
• Policy number or identification number
• Driver's license information

B. Vehicle Details:

• Make, model, and year of the insured vehicle
• Vehicle identification number (VIN)
• License plate number
• Current mileage

C. Accident Details:

• Date, time, and location of the accident
• Description of the accident, including the sequence of events
• Parties involved in the accident (drivers, passengers, witnesses)
• Insurance information of other parties involved (if applicable)

D. Supporting Documentation Requirements:

• Police report or accident report, if available
• Photos of the accident scene and vehicle damage
• Estimates or invoices for repairs
• Medical reports or bills (if there are injuries involved)

E. Signatures and Authorizations:

• Policyholder's signature, confirming the accuracy of the information provided
• Authorized personnel's signature (e.g., repair shop representative) for authorization of repairs
• Photos of the Accident Scene and Vehicle Damage

By gathering all the necessary information and supporting documentation, you will be well-prepared to provide accurate and thorough details when filling out the car insurance claim form. This will help facilitate the claim process and ensure that you have the necessary evidence to support your claim.

Review the Instructions

By carefully reviewing and understanding the instructions provided, you can ensure that you have a clear understanding of how to fill out the claim form correctly and meet all the necessary requirements. This will help streamline the claim process and increase the likelihood of a successful claim settlement

A. Carefully Read the Instructions provided with the Claim Form: Take the time to thoroughly read and understand the instructions accompanying the car insurance claim form. The instructions will provide important guidance on how to complete the form accurately and any specific requirements or procedures to follow

B. Understand any Specific Guidelines or Requirements: Pay close attention to any specific guidelines or requirements mentioned in the instructions. This may include specific formatting, documentation, or additional information that needs to be included in the claim form. Understanding and adhering to these guidelines will help ensure your claim is processed smoothly

C. Take Note of Submission Deadlines: Note any submission deadlines mentioned in the instructions. It is crucial to submit the completed claim form and supporting documents within the specified timeframe. Missing the deadline may result in delays or even the denial of your claim.

Include Supporting Documentation

By including all the necessary supporting documentation and organizing them effectively, you provide strong evidence to support your claim. This demonstrates the validity and extent of the damages or injuries incurred, enhancing the chances of a successful claim settlement

A. Ensure All Required Supporting Documents are Attached: Review the list of required supporting documents mentioned in the instructions or guidelines provided with the claim form. Verify that you have collected all the necessary documents to support your claim. Missing documents could lead to delays or complications in the processing of your claim

B. Include Accident Reports, Photographs, and Repair Estimates: Some common supporting documents to include are:

• Accident Reports or Police Reports: If available, attach a copy of the accident report or police report related to the incident. This document provides an official account of the accident.
• Photographs: Include clear and well-labeled photographs of the accident scene, vehicle damage, and any other relevant visual evidence. Ensure the photos are of good quality and showcase the details effectively.
• Repair Estimates or Invoices: Attach repair estimates or invoices from authorized repair shops that detail the extent of the damage and the estimated cost of repairs. These documents validate the amount you are claiming for the damages incurred.

C. Organize and Label the Documents Appropriately: To ensure ease of review and processing, organize your supporting documents in a logical order. You can arrange them chronologically or categorize them based on the type of document. Additionally, label each document clearly with a brief description or title to indicate its relevance to the claim. This will help the insurance company easily identify and evaluate the submitted materials.

Seek Assistance if Needed

Seeking assistance when needed ensures that you have a clear understanding of the claim process and helps to prevent mistakes or omissions in the claim form. Your insurance provider is there to support you throughout the process and can provide valuable insights and assistance specific to your policy and claim. Don't hesitate to reach out for help when required

A. If You Have Questions or Need Clarification, Contact Your Insurance Provider: If you encounter any doubts or require clarification regarding the claim form or the claim process, reach out to your insurance provider directly. They will have knowledgeable staff who can provide guidance and address your concerns. Contact the designated claims department or customer service line to seek assistance

B. Utilize Online Resources, FAQs, or Customer Support Helplines for Guidance: Many insurance providers offer online resources, frequently asked questions (FAQs), or customer support helplines to assist policyholders with their claims. Visit the insurance company's website or review any materials provided to access these resources. They can provide valuable information and guidance on how to fill out the claim form correctly and address common queries.

Review and Sign the Car Insurance Claim Form

By carefully reviewing and signing the car insurance claim form, you affirm the accuracy of the information provided and your consent to proceed with the claim process. This step is crucial to move the claim forward and initiate the evaluation and settlement process

A. Carefully Review All the Information Provided: Before signing the car insurance claim form, thoroughly review all the information you have provided. Check each section for accuracy, completeness, and consistency. Make sure all the details, including personal information, accident details, and supporting documentation, are correctly included

B. Double-Check for Errors or Omissions: Take the time to double-check the form for any errors, omissions, or inconsistencies. Ensure that all the information is entered correctly and matches the supporting documentation. Pay close attention to important details such as dates, names, and policy numbers. Correct any mistakes or missing information before proceeding

C. Sign and Date the Form as Required: Once you have reviewed and confirmed the accuracy of the information provided, sign and date the car insurance claim form as required. Your signature acknowledges that the information provided is true and accurate to the best of your knowledge. Follow any additional instructions regarding where to sign or if any additional authorizations are needed.

Submit the Car Insurance Claim Form

By following the specified submission instructions and keeping a record of the details, you ensure that your car insurance claim form reaches the insurance provider in a timely and accurate manner. This helps facilitate the processing of your claim and allows you to track its progress if necessary

A. Determine the Designated Submission Method: Find out the designated method for submitting the car insurance claim form. The options typically include online submission through a claims portal, mailing the form and supporting documents, or submitting it in person at a designated location. Refer to the instructions or contact your insurance provider to determine the preferred submission method

B. Follow the Specified Submission Instructions: Carefully follow the submission instructions provided by your insurance provider. This may include specific mailing addresses, online portals, or in-person submission procedures. Ensure that you include all required documents and information as instructed. If submitting online, be mindful of any file size or format restrictions for uploading the documents

C. Keep a Record of the Submission Details: Maintain a record of the submission details for your reference and future correspondence. Note the date and time when you submitted the claim form, the method used, and any confirmation or tracking numbers provided. This documentation will serve as evidence of your submission and may be helpful in case of any issues or follow-up required.