Car Insurance Claim
Car Insurance Claim Process
If you are a car owner, getting car insurance is indispensable. Not only does it secure you financially, but it also provides compensation if your car suffers any loss, damage or requires major repairs. Like any other policy, insurance for cars also expires and requires periodic renewal. This is especially important as having car insurance is mandatory in India.
Tata AIG Car Insurance Claim Procedure
To buy car insurance online, you can head onto the TATA AIG insurance website, where you can compare car insurance policies & choose the best one to suit your need. We offer 3 types of Car Insurance policies - Third Party Car Insurance, Own Damage Car Insurance & Comprehensive Car Insurance. Once you have purchased a car insurance policy, you can receive the abundant benefits our policies have to offer.
And when your policy nears expiry, TATA AIG car insurance renewal will help you renew your policy soon so that you do not miss out on the benefits.
How to Claim Car Insurance?
How to Claim Car Insurance?
You can quickly file a claim by going through these steps:
Step 1: File a claim: You can either call us on 1800-266-7780 to file a claim or visit our Claims Support page and fill in the necessary information. After receiving your claim request, we will send you a link for self-inspection to your registered mobile number.
Step 2: Inspection: With the help of the self-inspection form, fill in details about the damages to your car on your smartphone or tablet. Apart from this, your vehicle will also be inspected by one of our surveyors.
Step 3: Mode of repair: You can choose between receiving reimbursement for the damage repairs or making a cashless claim through our network of garages.
Step 4: Documents needed: Some common documents needed for claim settlement are completed claim form, FIR (in certain cases), policy documents, identity proofs, address proofs, etc. Keep them handy before filing the claim.
Step 5: Track your status: You can track the acceptance and transaction process online after you complete filing the claim.
Step 6: Claim settlement: We will examine the claim to see if it meets the guidelines as given in the policy. Once approved, we will settle your claim.
How to Make Car Insurance Cashless Claims?
Indian vehicle insurance is a legal mandate but lets you enjoy the benefits of cashless claims provided by your insurance company. With this service, you do not have to cover any charges with the network garage. We, at Tata AIG, will directly settle the bills with the network garage.
To make a cashless claim, you only need to register your claim on our website, submit the required documents and take your car for the required repairs at the network garage. Once the surveyor confirms the damage and determines your liability, your claim gets processed and approved. Following this, we directly contact the network garage and pay off the dues, which get subtracted from your sum insured.
How to Make Insurance Reimbursement Claims?
Contrary to cashless claims, in a reimbursement claim, as the insured, you pay for the repairs and other damages. Depending upon the policy terms and conditions, you can then file for a reimbursement claim. In this type of claim, you do not have to mandatorily get your car repaired at a registered network garage. You only need to provide copies of the bills and other charges to receive the claim amount.
To avail of reimbursement under online car insurance policies, you need to register your claim by getting in touch with us. Once you receive your claim registration number, you can take the damaged vehicle to any garage of your choice. Following this, you can submit the bills and prepare the other documentation for your surveyor to check and confirm your liability. If your claim is verified and processed, your reimbursement is initiated.
Documents Required for Car Insurance Claims
Several documents are required to ensure your claim gets processed and approved successfully. Arranging these documents as early as possible is crucial for a smoother process.
Here is a list of documents required for car insurance claims:
- Claim form signed by the insurer
- First Information Report (FIR) in case of an accident
- No Trace Report from the police and Letter to the RTO if your vehicle is stolen
- Legal Notice of the concerned party in case of third-party liabilities
- Personal details - address and identification proof
- Hospital bills in case of personal accident claim
- Repair bills from the garage (in case of reimbursement claims)
- Registration details of the vehicle, including a copy of the RC with its original keys
- Copy of the driving license
- Copy of the original policy
- Hospital bills for personal accident claims
- The original estimate, invoice and payment receipt for the repairs done at the network garage
What is the Role of the Surveyor?
The surveyor plays an important role in car insurance claims and their approval. Here are some of their responsibilities:
- To thoroughly investigate, manage, validate and record the damage and losses arising from the accident or theft. They must stick to the rules and regulations as much as possible.
- In the event of car loss, the surveyor must remain neutral and impartial. They must maintain absolute confidentiality.
- They must personally perform spot surveys and determine whether the case falls under excess insurance or under-insurance.
- Surveyors must determine and declare all conflicts of interest.
- They must resolve all the queries of the insurer and the insured with regards to the claim.
- They must also comment on the depreciation, its applicability, quantum and percentage.
- They must give advice to the insurer about the minimisation of loss for safety and security and also find ways to control the loss wherever possible.
Disclaimer / TnC
Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.
Frequently Asked Question
Is it worth filing a car insurance claim?
Yes! Filing a car insurance claim allows you to utilise the sum insured your insurance company provides for which you have been paying the premium. However, as a policyholder, you have to determine whether the damage is extensive and expensive enough to file a claim.
How do car insurance claims work?
If your vehicle has suffered any damage or loss, the cost of these repairs and recovery can be filed under an insurance claim. Depending upon your policy, you receive complete or partial reimbursement for the expenses incurred towards bringing your vehicle back to its original condition. Simply file your claim to the company and provide the necessary documents to receive remuneration.
How do I claim car insurance repair?
To claim cashless repairs, simply get your repairs done at a registered network garage. Once you register your claim with the insurance provider, it is surveyed and approved by the surveyor. The company will then determine the liability and pay off the expenses directly.
How do car insurance companies pay out claims?
Once your insurance company receives the appropriate documentation, they directly get in contact with the network garage and settle the bills. The amount paid is subtracted from your sum insured. For reimbursement claims, they simply pay you back the bill amount after thorough verification and approval of the bills submitted
What happens if I do not inform my company before I get car repairs?
Your claim could get partially or completely rejected if you do not inform your company and receive a registration number before getting repairs. This is because it goes against the terms and conditions of the insurance policy.
Will my car insurance cover engine damage caused by floods?
The standard car insurance policy does not cover engine damage. However, if you opt for a specific add-on cover for this repair or other similar damages, you can receive reimbursement for this claim