Cashless Garages in Gujarat

Cashless garages are repair centres authorised by insurance companies to provide services to policyholders. They repair the insured's car without charging them, as the insurance provider directly settles the bills.

When your vehicle is involved in an accident, choosing the cashless claim method is wise. By doing so, you will be able to get your car repaired at a network garage from Tata AIG’s cashless garage list in Gujarat without spending any money from your pocket. Also, since Tata AIG has a tie-up with these garages, they are reliable and offer high-quality services in a hassle-free manner.

The insurance company pays the repair expenses as per the policy. However, expenses that are not covered under the policy, such as deductibles and other charges, must be borne by the policyholder.

How do Cashless Garages Work?

• Cashless garages work in a simple manner, eliminating all tedious processes and requirements. To understand how cashless repairs work in Gujarat and avail of their services, one must first check the list of Tata AIG network garages and shortlist the nearest one.

Follow these steps to avail services from cashless garages:

• Intimate us about the accident and damage by calling our toll-free number, 1800-266-7780, or sending us an email.

• Start with the claim initiation process and provide all the details of the damage.

• We shall also appoint a surveyor from our end to inspect and verify the damage.

• Once the claim is accepted, you can choose any garage from the network of cashless garages to repair your vehicle.

• After the repair is completed, the garage will send us the bill. We shall pay the bill to the extent of the maximum sum assured. The policyholder must pay any amount over the sum assured, such as deductibles.

The features of network garages are worth mentioning as they bring a lot of relief to the policyholder amid the trauma and financial stress of dealing with an accident.

• You can claim a cashless facility on your comprehensive or standalone own damage policy that facilitates the repair of the damaged vehicle without any financial burden. You may approach any of the garages that have a tie-up with Tata AIG.

The features of cashless garage list of Tata AIG are as follows:

• Tata AIG has a widespread network of more than 7500 garages across the country. Therefore, you can choose your preferred garage in Gujarat and take your vehicle for services.

• Cashless network garages offer free repair services, which allows the policyholder to save money in crucial times.

• Cashless garages are associated with Tata AIG. Hence, they are reliable and offer top-notch services.

• When you opt for a cashless claim for your car insurance, you get priority access to the garage.

• Cashless garages provide excellent services within a short turnaround time and get your car running up quickly.

• The garage sends the repair bills to us directly, thereby keeping the transaction transparent and fair.

It is relatively easy to find a network garage in Gujarat as we have more than 7500 network garages in India. Here are a few simple steps that will help you to locate the nearest garage in Gujarat.

• Navigate to Tata AIG’s Cashless Network Garages page.

• Enter the state as Gujarat in the space provided. Then, enter the make of the car.

• Click “Search.”

• You will see a list of all the garages in your state. You can then select the one that is convenient for you to visit and get the repairs done.

• Another way to find the cashless garage is to call us at 1800-266-7780.

If you have Tata AIG car insurance, you can opt for cashless services in a few easy steps mentioned below:

• If you meet with a mishap, you must inform us about the damage, severity, etc.

• You will receive a form link on your phone or email, which you must fill out accurately and provide details of the damage caused to the vehicle.

• We shall also send a surveyor from our company to check the vehicle’s condition.

• After the verification is complete, you must submit a few primary documents, such as address proof and I.D. proof.

• After your claim is registered, you may take the vehicle to any cashless garage that you prefer.

• Post the repair service, the garage will send us the bill and we shall settle the amount according to the maximum sum assured in your policy.

Note: The policyholder is responsible for any expenditure in excess of the sum insured, including deductibles and other non-covered expenses.

Policyholders are free to choose either a cashless or reimbursement claim method. If you do not wish to spend money from your pocket, you can opt for the cashless claim process. However, if you have liquidity and want to get the repairs done from a garage of your liking, you must go for the reimbursement method.

• It brings peace of mind to the policyholder as he is not required to arrange for any cash to get the vehicle repaired.

• Insured has the option to choose from over 7500 network garages of Tata AIG as per his need.

• Since the garages have a tie-up with the insurance company, they offer expert and high-quality repair services.

• All the bills are sent to us for payment. Therefore, you can expect a 100% transparent process and charges.

• Cashless garages give priority to the policyholder and fix the car in a short time.

• The garages use genuine materials and spare parts to repair the vehicles.

Tata AIG's vehicle insurance relieves the policyholder by covering various expenses. These expenses are covered by us (depending on the type of policy chosen - comprehensive or standalone own damage policy), reducing the burden on the insured. Here are some of the expenses that Tata AIG pays for when you raise a claim.

• Damages to the vehicle due to natural calamities such as earthquakes, floods, tsunamis, etc.

• Any damage to the vehicle occurring due to an accident or collision on the road.

• If man-made disasters such as terrorist attacks, strikes, riots, etc., damage the vehicle, it is covered under the claim.

• If stolen cars are recovered in a damaged condition, you can claim for their repair expenses.

• It also covers the expenses of repairing a third-party vehicle if it suffers damage by colliding with the policyholder’s car.

Apart from the above expenses, Tata AIG also allows the policyholder to customise and include add-ons to specific insurance policies. Here is a list of some of the add-ons that you can choose:

Roadside Assistance— Under this add-on cover, you are entitled to 24/7 assistance if your vehicle is involved in an accident. You get towing, refuelling, a mechanic, and other services.

Engine Protection Cover— You will be reimbursed for expenses related to engine repair if the engine becomes spoiled due to a water spill or oil leak.

No Claim Bonus Protection- NCB protection add-on retains your no claim benefit even if you make one claim in a policy year.

Zero Depreciation— Under this add-on cover, the insured gets a full reimbursement of the vehicle's value without any depreciation deduction.

In some cases, the cashless claim may be rejected for various reasons. If your cashless claim has been rejected, you must not be disappointed. Instead you can choose to get the insurance claim through the reimbursement method.

Both the cashless and reimbursement methods benefit the policyholder, but in unique ways. A cashless claim allows the insured to get his vehicle repaired free of cost. In a reimbursement claim method, the insured must first pay for the repair charges and later get it reimbursed from us.

Reimbursement Claim with Tata AIG

• After the accident, you must provide us with the complete details of the accident and damage to the vehicle.

• To register the claim, you are required to fill out the claim form.

• You can get the repairs done from any garage of your choice.

• Once the service is done, preserve all the bills and invoices.

• Submit the policy documents, FIR report, D.L., R.C., and other crucial documents.

• We shall verify the documents and the claim.

• After satisfactory completion of the verification, we shall initiate the reimbursement process.

It is always better to be aware of situations in which your cashless claims can be rejected so you can handle them better. Knowing the reasons for cashless claim rejection will help you avoid the mistakes and raise a claim successfully.

• Non-disclosure of crucial facts such as vehicle modification.

• Providing incomplete information regarding the damage, accident, etc.

• Driving without essential documents such as a driving licence.

• Filing a claim under a lapsed insurance policy.

• Engaging in dangerous driving practices such as rash driving, overspeeding, etc.

• Raising the claim after the time limit has expired.