Most Indians opt to purchase comprehensive car insurance plans. These policies provide more than the mandated third-party liability coverage. Comprehensive plans also offer own damage coverage. If you have such a policy, your insurance company will help cover the cost of repairs to your vehicle after an accident. You can also enhance your cover by choosing various add-ons with your policy. Let’s look at the process you must follow if you want to make a car insurance own damage claim.
Vehicle Insurance Claim Process for Own Damage
The process to file for an own damage and third-party insurance claim is different. You can follow these steps to file a car insurance claim for damages to your vehicle:
Step 1: Inform Your Insurance Company
After an accident, prioritise getting yourself and others around you to safety. Once you’re safe, you must inform the relevant officials and your insurance company. Gather as much information about the incident as possible and take pictures to record the damage caused to your vehicle. Most companies today allow you to register your intent to file a car insurance claim online.
Step 2: Register an FIR
Once it’s safe for you to do so, file an FIR at the nearest police station. Ideally, complete this process on the same day. You need the FIR to file your insurance claim. Your insurance company will mention a time frame in their car insurance claim rules during which you must register your claim. For example, you may have seven days from the time of the accident to complete the initial paperwork and send your claim request to the company.
Step 3: Get the Damage Evaluated
Your insurance company needs to evaluate the damage to your vehicle. Once done, they can inform you of the car insurance claim charges. They might send a surveyor to your home or ask you to complete a digital verification through a smartphone application. After completing the survey, the insurance company will let you know what repairs get covered by your policy.
Step 4: Receive the Claim Settlement
Once you receive the evaluation, your insurance company will direct you to repair your car. You can opt to visit a network garage for a cashless claim. Or, you can get the work done at your preferred workshop. You have to settle the bill and ask your insurance company to provide you with a reimbursement claim.
Documents Required to File an Own Damage Claim
- A copy of your insurance policy
- A copy of the FIR registered with the police
- A correctly filled and signed claim form
- A copy of the driver’s driving license
- A copy of the vehicle’s registration certificate
- Details of the damage and repair estimate
- Original medical receipts in case of personal injury
- Original receipts for other necessary and covered expenses
You must file your insurance claim on time to receive a fair settlement. If you’re dealing with minor repairs, you could complete them yourself. Once you file a claim, you risk losing the accumulated no-claim bonus in car insurance. Always ensure you maintain records of your policy and relevant claims. While renewing your car insurance policy for the following year, you must provide details about your claim.