car insurance claims


How To Claim Car Insurance

4th August 2022 8min read 482 views

People across India are choosing to purchase two-wheelers and four-wheelers as they make travel much easier. The rise in private vehicle ownership has led to a corresponding increase in car insurance policies. Despite so many people having cars and insurance plans, many falsehoods still persist around getting a motor insurance claim settled. People are hesitant to file a car accident insurance claim and end up trying to cut corners while paying for repairs. The process leads to a never-ending cycle of sub-standard servicing and repairs. To help you break the loop, let’s demystify the car insurance claims process.

Filing Motor Claims for Own Damage

Assume you’re driving during heavy rains and lose control of the car for a moment. You end up hitting a divider and dent your front bumper. Damages to your vehicle are considered ‘own damage’ under your car insurance policy. Only vehicle owners who have comprehensive coverage can file claims for the cost of these repairs. To make an auto claim in this situation, you need to:

  • Contact your insurance company immediately and initiate the claim process. You must report an accident within a stipulated time period.
  • Help your insurance company schedule a vehicle inspection. Once damages are assessed and documented, the surveyor will provide an estimate for the repairs. They may also suggest a garage where you can avail of cashless services. The process typically takes a day or two, depending on the extent of the damage.
  • Wait for approval before dropping your vehicle off for repairs.

You must remember that your car insurance policy has a mandatory deductible or car insurance claim charges that you must pay out of pocket.

Filing a Third-Party Insurance Claim

In India, you must have at least third-party insurance coverage. The policy helps cover damages caused to a third party or their property after an accident. If you happen to damage somebody else’s vehicle or property, you can file a third-party claim by:

  • Filing a First Information Report (FIR) at the nearest police station. Either you or the third party must file the FIR to obtain a charge sheet.
  • Notifying your insurance company of the claim by submitting the charge sheet and a copy of your policy to them.

For third-party claims, the Motor Accident Claims Tribunal (MACT) decides the claim amount. In case you are liable to pay for damages, the insurance company will help with the costs.

Dealing with motor claims can seem overwhelming. After an accident, prioritise getting yourself and those around you to safety. Try to remain calm and alert the authorities and your insurance company as soon as possible. Your swift action can help minimise the consequences.

To benefit from your car insurance policy, you must remember to purchase a policy for your vehicle. Every year, complete the car insurance renewal process before the deadline to avoid losing your cover. Look for insurance companies that offer better coverage at affordable rates. Visit the Edelweiss General Insurance website to browse our car insurance options and find a policy that meets your needs.

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