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Motor Insurance Claim Process: Understanding the Claim Process Step by Step

Insurance being the non tangible product, the real taste of the service will be experienced at the time of claim. In motor insurance the claim process is simple and easy to understand. All the insurance companies have their dedicated customer care line for the customers to call in case of a claim.

Motor Insurance Claim Process

The basic purpose of taking insurance by the customer is to safeguard his financial interest in the case of loss or damage to the vehicle. So the claim can be defined as the payment of amount required to repair the vehicle in case of loss or damage due to the insured peril.

Types of Motor Insurance Claims:

The following are the types of motor insurance claims under which the customer can claim for insurance for the loss or damage suffered by him.

Third Party Claim

In insurance terminology any person other than the Insured and Insurer is referred to as Third Party. Third party liability claims occur when an individual is hit and injured or killed with your vehicle. Third party property damage claims occur when you hit and damage the property of an individual. For this case the process to claim is as below.

In case of Third Party Claim you should follow the below steps to lodge a complaint with the Insurer.

  1. Immediately inform the insurance company either on call or in writing.
  2. File an F.I.R with the local police and take a copy of the same to submit to the insurance company.
  3. The claim would be taken care by the legal team of the insurance company
  4. Third Party claim tribunal would pass the ruling and decide on the claim amount which would be paid the insurance company.

Accidental Damage to Car

In case of accidental damage to the car due to a road accident or intentional damage by third party the following are the steps to be followed to lodge a claim with the insurer.

  1. Intimate us on “Claims@policybachat.com” or call us on our toll free number 1800 123 4006/ 1800 123 4003 and report the claim by providing the Claim registration number and other claim related details.
  2. Take the damaged vehicle to the nearest “Cashless” garage or any other available garage.
  3. Surveyor will be sent by the insurance company to assess the loss or damage to the Car. Survey report will be prepared and shared with the insurance company.
  4. If the loss or damage is covered under the motor insurance then the insurance company will approve the claim and intimate you regarding the same.
  5. Once the report is approved by the insurer, vehicle is repaired. The insurance company pays the amount to the garage directly in case of cashless claim.
  6. If you get your car repaired at any other garage other than the tie-up garage, then the claim amount has be paid by you upfront and apply for reimbursement.
  7. Insurance company transfers the amount to your account with the stipulated amount of time.

Theft of Car

When your car is missing or you suspect it has been stolen then the below process has to be followed while reporting the claim.

  1. Intimate us on “Claims@policybachat.com” or call us on our toll free number 1800 123 4006/ 1800 123 4003 and report the claim by providing the Claim registration number and other claim related details.
  2. File an F.I.R with your local police stating the time and date of theft.
  3. After filing the F.I.R police try to locate your vehicle. If they fail to recover within stipulated time, they would issue a non traceable report to you.
  4. You should submit the non traceable report along with the Car Keys to the insurance company.
  5. The insurance company would pay you the Insured Declared Value of the car or Invoice Price (if opted as an add-on).

Documents required for filing a claim:

Here is a list of documents required for filing a motor insurance claim:

  1. Registration Copy (RC Book) of the vehicle
  2. Driving Licence
  3. Pollution Certificate (if necessary)
  4. Claim form duly filled and signed by the insured
  5. F.I.R from Police (if necessary)
  6. Keys of Car (for theft & total loss claims)
  7. KYC documents of the insured.
  8. Cancel Cheque leaf ( for reimbursement and theft cases)
  9. Any other documents as required for claim processing.

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