Car Accident Insurance Claim Process - A Step By Step Guide

Filing a car insurance claim involves a structured process to ensure a smooth settlement. Follow these steps:

Inform Tata AIG: Call the toll-free number, use the app, website, email, or WhatsApp to report the accident. Share details like the date, time, location, and damage.

File an FIR (if needed): If the accident involves theft, major damage, or third-party injury, file an FIR and keep a copy for submission.

Document the accident: Take clear photos and videos of the damage and accident site. If possible, gather witness statements.

Submit required documents: Provide a copy of the insurance policy, FIR (if applicable), driving licence, Registration Certificate (RC), and completed claim form. For reimbursement claims, submit original repair bills.

Choose the repair option:

Cashless claim: Take the car to a Tata AIG network garage for direct payment.

Reimbursement claim: Repair the car at any garage, pay the bill, and submit it for approval.

Track the claim: Use the online claim support portal to check the status.

Act quickly: File the claim within 48 to 72 hours to avoid delays.

Following these steps will help ensure a smooth and hassle-free claim process.

Read more: Filing a Car Insurance Claim? 5 Dos & Don'ts You Must Remember

To streamline the insurance claim process for a car, follow these steps:

Immediate Notification: Contact your insurance provider and provide details about the accident.

Lodge an FIR: Essential for third-party damages or severe accidents.

Collect Evidence: Photographs and witness statements strengthen your claim.

Fill Out the Claim Form: Ensure accuracy in all details.

Vehicle Survey: The insurer's surveyor will assess the extent of the damage.

Repair Process: Choose between a cashless claim at a network garage or reimbursement at any garage.

Settlement: The insurer either settles directly with the garage or reimburses you upon bill submission.

For accidents involving third-party damage or injuries, the car accident claim process differs. Here’s a step-by-step approach:

Car Insurance Accidental Claim Process for Third-Party

There are two main types of claims:

Cashless Claims: The insurer pays the garage directly. The policyholder only covers the deductible amount.

Reimbursement Claims: The policyholder pays for repairs and later submits bills for reimbursement.

Required Documents for Car Accident Insurance Claims

Ensure you have the following documents for a smooth claim process:

Common Documents:

• Duly filled claim form

• Copy of the insurance policy

• Vehicle Registration Certificate (RC)

• Driving license copy

• FIR copy (if applicable)

• Repair estimates and bills

Additional Documents by Claim Type:

Read more: Car Insurance Claim Inspection: Four Things You Must Know

Decide on the most suitable claim type:

Cashless Claim:

• Available at insurer network garages.

• The insurer directly settles the bill with the garage.

• The policyholder pays only deductibles.

Reimbursement Claim:

• Allows repairs at any garage.

• The policyholder pays upfront and submits bills for reimbursement.

• Original invoices and receipts are mandatory.

What are the steps for processing an insurance claim?

At the start of insurance claim processing, immediate notification of the insurer and detailed information about the accident are needed. The claim process should begin with filing an FIR at the closest police station whenever necessary. The accident spot requires recording through pictures together with statements from witnesses. Present your duly filled claim form and essential documents to the insurance provider. According to approved insurance claims, the insured can seek vehicle repairs from network garages or their preferred garages.

Is FIR necessary for a car insurance claim?

Every claim requiring third-party damage, theft, or serious accident with injuries or deaths must first obtain an FIR. When the accident involves no third parties or minor damage, filing an FIR becomes optional. It remains essential for policyholders to review their insurance company policies since different insurers enforce various rules about how an FIR should be handled.

What is the process to claim car insurance after an accident?

To start the insurance compensation process, you must notify your insurer and file an FIR if needed, besides supporting your case with evidence collected at the accident area. Forward all necessary documentation to your insurance company, including the claim form, driving license, vehicle registration certificate, and FIR document when applicable. With claim approval, the insurer provides either network garage repairs or chooses to reimburse you after verification of valid bills.

Can we claim car insurance without a police report?

In cases of minor accidents with no third-party involvement, an FIR may not be necessary. However, if the claim involves third-party damage, theft, or bodily injuries, a police report is mandatory. Always check with your insurer for specific requirements to avoid claim rejection due to missing documentation.

How long is the car insurance claim process?

The duration depends on the insurer and claim type. Cashless claims at network garages are usually processed within a few days, as the insurer directly settles the bill. Reimbursement claims take longer, as they involve verifying repair invoices, inspecting documents, and processing payments. Timely submission of required documents can speed up the process.

When can a car insurance claim be rejected?

Insurance claims may be rejected for various reasons, such as delay in reporting the accident, providing false information, policy lapses, or claiming an amount exceeding policy coverage. Additionally, claims for damages excluded under the policy, such as wear and tear or driving under the influence, may be denied. Ensure compliance with policy terms to avoid rejection.