Cashless Garages in Chennai

Cashless garages or partner workshops are garages that insurance providers authorise. Such garages have tie-ups with insurance providers, which enables them to offer cashless repair and services to policyholders.

Cashless garages add convenience and ease to the entire process of cashless claim facility of an insurance policy. With the help of the cashless garage list of Tata AIG, you can find a repair facility nearby and take advantage of the cashless repairs.

If your car has been involved in an accident, you can locate a garage from the Tata AIG garage list in Chennai and get the covered repair work done for free. Tata AIG will bear the cost of repair and services to the extent of sum assured.

How do Cashless Garages Work?

• Since the network garages are tied up with the insurance provider, they are required to provide policyholders with cashless repairs. If you want to use the cashless claim facility, you must first find a cashless garage near you.

• Once you have shortlisted a garage, here are the steps to follow:

• Notify Tata AIG about the accident and the details of the car damage. You can call us at 1800-266-7780 or raise a claim using our claim support page.

• Fill out the claim form and provide all the details of the damage, etc.

• Once the request is received, we shall send a surveyor to inspect the car and confirm the damages.

• For cashless repairs, you can take the vehicle to the nearest authorised garage that is part of Tata AIG’s network garages.

• Once the repair and services are done, the garage will send us the bill. We shall settle the amount as per the policy's sum assured. However, you must pay for deductibles and other non-inclusive expenses.

Accidents can be disturbing, and in such a scenario, our cashless network garage brings relief and convenience to the policyholders. You can opt for the cashless claim facility as a part of the insurance for four-wheelers and get your vehicle repaired without incurring any out-of-pocket expenses.

Some key features of Tata AIG network garages are as follows:

• They allow policyholders to get cashless repairs in times of emergency, reducing the financial burden.

• Network garages are reliable and offer top-quality repairs, services, and genuine spare parts.

• Tata AIG has more than 7,500 network garages nationwide, allowing policyholders to use cashless facilities in their locations.

• The cashless garages are prompt and professional. They get your car up and running in no time.

• The garage contacts us directly for bill settlements, minimising any middlemen or even policyholder involvement.

As mentioned above, we have a widespread network of more than 7500 Tata AIG network garages all over India, including a few in Chennai as well. You can find the Tata AIG cashless garage list in Chennai in a few steps mentioned below:

• Go to our official website.

• Select the city you live in (Chennai here) and enter the make of your car.

• Click on “Search” to see a list of all the network garages in Chennai.

• You can also find out about the nearest garage by calling our helpline number 1800-266-7780.

You can claim a cashless service at Tata AIG network garages by following these steps:

• The first step to avail of the cashless facility is to inform us about the accident, the severity, and details of the damage to the vehicle.

• Next, we shall arrange for an inspector to assess the damage to the vehicle and confirm the same.

• Once the verification is done, you must submit the essential documents such as ID proof, policy documents, etc.

• Once the claim is registered, you can take your vehicle to the nearest authorised garage for cashless repair .

• After the repairs are done, the garage sends us the bill. We shall settle the amount to the extent of the maximum sum assured under your insurance policy.

Note: All the expenses incurred over and above the sum assured or expenses not covered under the policy must be paid by the policyholder.

The choice of a cashless or reimbursement claim is a personal choice that a policyholder can make based on his prevailing circumstances. If you are looking for convenience, then the cashless method is appropriate.

However, if you want to have a wide choice of garages and have emergency funds ready, you can go with the reimbursement method.

• Cashless garages provide financial ease to policyholders as they can get their vehicle repaired without incurring any out-of-pocket expenses.

• You can complete the entire process with minimal documentation.

• The bill payment is directly done by us, requiring no involvement of the policyholder.

• The services of cashless garages are reliable and top-notch.

• When you choose a network garage, you get priority services in a short turnaround time.

• All the spare parts and equipment used at our network garages are genuine.

• There is a high degree of transparency, as the communication is directly between the garage and the insurer.

Tata AIG insurance policies cover a broad spectrum of expenses within the cashless claim facilities, extending support to the policyholder during difficult times. Here is a quick list of expenses that are covered under cashless claims:

• Repair expenses for damage caused due to accidents and collisions on the road.

• A loss or damage to the car that occurs due to natural events such as earthquakes, floods, cyclones, tsunamis, etc., is covered under insurance.

• You can also claim damages done due to human-made disasters, such as terrorist activities, strikes, vandalism, fire, etc.

• Stolen cars that are recovered in a damaged condition can be repaired, and expenses can be claimed.

• The policy covers damage to a third-party vehicle or property caused by a collision with the policyholder's car.

• Besides, Tata AIG allows the policyholder to customise their motor insurance by including add-ons that enhance the scope of coverage and offer additional benefits to them. Some of the add-ons are as follows:

Engine Protection—You can recover expenses related to engine repair if the engine becomes spoiled due to water ingestion, oil spill, etc.

Daily Allowance—We will give you a daily allowance for commuting when your car is in the garage.

No Claim Bonus—If you do not raise a claim in a financial year, you can enjoy additional benefits such as a discounted premium.

One must remember that the benefits and coverage of your car insurance online depend on whether you choose a comprehensive plan or a standalone damage policy. Hence, it is recommended to read the terms and conditions carefully.

If your cashless claim is rejected, you need not worry. You can always file a reimbursement claim and recover the repair expenses by completing a few formalities. Both cashless and reimbursement claims benefit the policyholder. The only difference is in the method.

A cashless claim allows you to get your car repaired without spending any money from your pocket. However, in a reimbursement claim, you must bear the repair expenses initially, which the insurer will then reimburse.

Reimbursement Claim With Tata AIG

Here are the steps in which you can file a reimbursement claim with us:

• Inform us about the accident and provide the details of the damage.

• Fill out the claim form and register the claim with us.

• Take your car to any preferred garage and get the repair and services done.

• Preserve all the bills, invoices, receipts, etc.

• Submit the policy documents, RC, DL, repair bills, etc.

• After verification and satisfaction, we shall initiate a reimbursement process as per the terms of the insurance policy.

Knowing the reasons why a cashless claim may be rejected will allow you to be better prepared and avoid mistakes when filing a claim.

• Providing incomplete or inaccurate information about the accident or damage.

• Not disclosing essential facts such as vehicle modification to the insurer.

• Filing a claim when the insurance policy has expired.

• Driving without a licence or other necessary documents, etc.

• Being involved in rash driving, overspeeding, etc.

• If you raise a claim after the specified time limit mentioned in the policy.