HOW CAN YOU RAISE A CLAIM IN ORIENTAL CAR INSURANCE

Having insurance can help one avoid any unforeseen future risks and help them with any financial damages that may come with them. But many times, people are unaware of how they can claim insurance. One such case is Oriental car insurance. Here we are going to look at how one can raise a claim in Oriental car insurance and what things they need to know before they file of Oriental car insurance claim. 

Types Of Insurance Claims In Oriental Car Insurance

The following are the various ways in which one can raise a claim in Oriental car insurance:

 Cashless Insurance Claim

By getting a cashless insurance claim the policyholder can get their vehicle serviced and repaired at any network garage under car insurance claim for any damages that may have happened to any unforeseen and unfortunate circumstances without paying any charges for them as the insurance provider directly settles the amount with the network garage.

Reimbursement Insurance Claim

In case the policyholder is unable to reach any network garage they can easily get their vehicle serviced and repaired at any nearby private garage and raise an Oriental car insurance claim for the same by submitting a reimbursement insurance claim request. The policyholder will be reimbursed for repairs and services done after charging standard deductibles.

Oriental Car Insurance Claim Process

The following are the steps one needs to follow to raise a claim in Oriental car insurance:

Cashless Oriental Car Claim

• Intimate the insurance provider: One needs to immediately inform the Oriental insurance claim department of the damages that may have happened due to any unforeseen and unfortunate circumstance to them within 24 hours to avoid any future hassles by directly calling the toll-free number or visiting their official website.
• Raise a claim request: After intimating the insurance provider one needs to raise an official cashless insurance claim request for an Oriental insurance car claim.
• Inspection and verification: The insurance provider will send an agent for the inspection and verification of the damages in the claim.
• Take or tow your vehicle to the nearest network garage: The policyholder needs to take or tow their vehicle to the nearest network service centre for further Oriental car insurance claim process.
• Repair and servicing: Get the vehicle repaired and serviced for any damages.
• Settlement of insurance claim: The amount incurred for repairing and servicing the vehicle will be settled by the insurance provider directly by paying the network garage.

Reimbursement Oriental Car Claim

• Intimate the insurance provider: One needs to immediately inform the Oriental insurance claim department of the damages that may have happened due to any unforeseen and unfortunate circumstance to them within 24 hours to avoid any future hassles by directly calling the toll-free number or visiting their official website.
• Raise a claim request: After intimating the insurance provider one needs to raise an official reimbursement insurance claim request for the Oriental insurance car claim.
• Inspection and verification: The insurance provider will send an agent for the inspection and verification of the damages in the claim.
• Take or tow your vehicle to the nearest garage: The policyholder needs to take or tow their vehicle to the nearest private service centre for further Oriental car insurance claim process.
• Repair and servicing: Get the vehicle repaired and serviced for any damages.
• Settlement of insurance claim: The amount incurred for repairing and servicing the vehicle will be settled by the insurance provider directly by reimbursing the policyholder after they submit all the required bill receipts.

Documents Required For Oriental Car Insurance Claim Process

The following are the various documents that are required to submit to raise a claim in Oriental car insurance:

1.  Accurately filled and signed claim request form
2. Original policy documents
3. Registration of the vehicle
4. Driving licence of the owner
5. Bill receipts in case of reimbursement claim
6. FIR report copies if applicable
7. No trace report in case of theft
8. Declaration of theft from the regional RTO office

Common Reasons For Insurance Claim Rejection

One needs to make sure to follow all the policy terms and conditions when raising a claim in Oriental car insurance to avoid any rejection of the insurance claim. The following are some common reasons for insurance claim rejection that one needs to be aware of:

1. Expired insurance policy.
2. False information provided.
3. Fraudulent claim.
4. Self-inflicted damage on the vehicle.
5. Damage due to negligence.
6. Driving without a licence.
7. Drunk driving.

Conclusion

One should always make sure to have insurance as it can help them avoid any future risk and help with any financial damage that may come with them. But many times, people can get confused when they raise a claim in Oriental car insurance, and it results in them getting frustrated. But can one easily avoid such hassle by referring to the above steps and raising their oriental insurance car claim without any worry? Now one can also get a comprehensive insurance policy for their vehicle in just a few easy steps from Quickinsure by visiting their official website and comparing various available insurance policies and getting the one that meets their requirements.

FAQs - Frequently Asked Questions

Q1. Which type of claim is better cashless or reimbursement?

Both the claim processes are good and can be used as per the requirement of the policyholder. However, it is always advised to get a cashless claim and avoid any extra hassle of filing paperwork.

Q2. Can one claim NCB in Oriental car insurance?

If one hasn’t claimed any insurance benefits from the Oriental car insurance policy in the previous insurance cycle, they are eligible for an NCB or no claim bonus.

Q3. Where are cashless claims possible for Oriental car insurance?

Cashless claims are only possible if the policyholder gets their vehicle serviced and repaired at a network garage under Oriental car insurance.

Q4. What type of claim does one need to file in case of complete vehicle damage or theft?

A reimbursement Oriental car insurance claim can help one recover their financial losses in case of complete vehicle damage or theft.