Documents Required to file a Car Insurance Claims

A car insurance claim is a formal request made by the policyholder to their insurance company for compensation after their vehicle suffers damage. Vehicle owners typically need to file a claim after experiencing losses from road accidents, theft, natural disasters, or third-party incidents. Once the insurer receives the claim and verifies the required documents, it begins the claim settlement process.

For example, if a car owner is involved in an accident and their vehicle is damaged, they must submit the relevant documents, including the First Information Report (FIR) and photographs of the damage, to initiate the claim process. Understanding the documents required for a car insurance claim is crucial to ensure the claim is processed smoothly and to avoid delays or rejections. Proper documentation not only speeds up the process but also helps policyholders access compensation and cashless benefits under their car insurance policy.

To get your claim processed efficiently, ensure you keep the following documents required for claiming Car Insurance ready at the time of filing:

• The claim form, duly filled and signed by the insured

• A verified copy of the First Information Report (FIR)

• A copy of the vehicle’s Registration Certificate (RC)

• A copy of the driver’s licence

• A copy of the policy documents

• Accident photographs (for reimbursement claims)

• Repair bills and other receipts (for reimbursement claims)

• RTO transfer papers duly signed with Form 28, Form 29, and Form 30 (if you have purchased a second-hand car or transferred ownership of the vehicle)

• NOC and Form 35 from the lender where the car has an active loan

Always double-check with your insurer about what are the documents required to claim Car Insurance, as different claim types may need additional paperwork.

Following a mishap, prompt and correct action is key. Here are the crucial steps to follow:

Step 1: Inform the Insurer Immediately

Reach out to your insurance company—preferably within 24 hours of the incident.

Step 2: File an FIR (if applicable)

This is mandatory in third-party damage, theft, or bodily injury cases.

Step 3: Document the Scene

Take clear photos and videos of the damage and accident spot. Gather witness details, if any.

Step 4: Submit the Required Documents

Ensure you include all documents required to claim Car Insurance for timely processing.

Step 5: Vehicle Inspection

The insurer will assign a surveyor to inspect the vehicle’s damage.

Step 6: Get the Vehicle Repaired

You may opt for cashless repairs at a network garage or choose reimbursement.

Step 7: Receive Claim Approval & Settlement

Once verified, the insurer will settle the bill with the garage or reimburse your expenses.

When it comes to claiming Four Wheeler Insurance, you can opt for either of these processes:

Cashless Claims

Get your vehicle repaired at a network garage. The insurer settles the repair bill directly with the garage.

Reimbursement Claims

You can get the car repaired at a garage, pay the bills upfront, and claim the amount later.

Third-Party Claims

In case of damage caused to a third party, you must report the matter to the Motor Accident Claims Tribunal. The insurer will appoint a lawyer and process the claim based on the court’s verdict.

Understanding the claim process and knowing the Car Insurance claim documents required ahead of time helps streamline your experience.

Avoiding claim rejections is as important as filing the claim itself. Here are a few smart tips:

• Always drive with a valid driving licence

• Do not hide or misrepresent facts when filing the claim.

• Avoid repairing the vehicle before inspection.

• Raise the claim before policy expiration.

• Read your policy document carefully.

• Avoid driving under the influence.

• Submit all relevant documents required for the insurance claim of the car.

• Don’t delay the claim process—notify the insurer promptly.

• Being proactive and honest can significantly improve the chances of successful claim approval.

Read more: Car Insurance Claims Process

Claiming cashless Car Insurance is simpler than ever, thanks to digitisation and wide garage networks. Here's what you need to do:

• Inform your insurer immediately after an accident.

• Choose a network garage listed by your insurance provider.

• Submit all documents required to claim Car Insurance—including the claim form, RC, DL, and FIR.

• The insurance company’s surveyor will inspect the vehicle.

• Once approved, the insurer will settle the bill directly with the garage.

• Cashless facilities reduce your financial burden and make repairs hassle-free.

What if I lose my Car Insurance policy documents?

The insurer provides an online tool to download your Car Insurance documents through its official portal and a service to obtain duplicate copies.

Can we claim Car Insurance without a police report?

Not in all cases. For minor damages, it's possible. A police report known as a First Information Report must be filed when reporting third-party liabilities or theft incidents.

How to claim insurance when someone hits your car?

Get necessary vehicle information from the party at fault, followed by an FIR submission and contact to your insurer while presenting your required claim documents.

Is FIR mandatory for Car Insurance claims?

A Car Insurance claim becomes possible after accidents involving third-party injuries, theft, or even death. Insurance claims for minor damage incidents can proceed without requiring a report to law enforcement.

Proper car maintenance makes strong insurance protection essential, and knowing the documentation needed to get Car Insurance compensation is the key starting point. Your comprehension of vehicle insurance processes, along with its supporting documents, provides you with a crucial advantage during critical moments regarding third-party Car Insurance, car Insurance renewal, and fresh online Car Insurance purchases.

TATA AIG delivers effortless policy claims through its wide system of service centers and tailored insurance packages. Your Four-Wheeler Insurance is much more than a policy because it provides you with peace of mind during your road journeys.

Secure your ride. Know your rights. Get your documents ready.