Brand new Car
So, you have bought your first ever car, and to ensure maximum safety, you have also bought car insurance. So, what next? You must be busy planning your first road trip in your new car. Or, maybe you are to take your better half on a long romantic drive or a date night.
But wait! God Forbid if your car meets with an accident, do you know how to file a car insurance claim? If not, then this blog is meant for you! Scroll down and go through this elaborate guide to know all about car insurance claim procedure in detail.
Filing a car insurance claim – What does it actually mean?
When you purchase a comprehensive or third-party car insurance policy, it helps you in bringing down your financial liabilities in case of a car accident. However, it is necessary that you inform your insurer when such a mishap takes place. When you intimate the details of the accident to the insurance company, the process involved is called filing a car insurance claim.
The car insurance claim process requires you to provide as much information as possible. Also, you have to furnish all the relevant documents. If your claim falls in line with the Terms and Conditions of the car insurance policy, the insurer will compensate for the losses and damage.
Documents required for motor insurance claim process
Types of car insurance claim
Step-by-step car insurance claim procedure
After filing your claim and getting the approval of the insurance company, you can take your car to any garage (in case of reimbursement claim) or in a network garage (in case of a cashless claim).
The insurance claim process for car accidents is similar in the case of third-party claims, car theft claims, or own damage claims.
Q: I was drunk while the car accident took place? Will my accident claim be considered?
Ans: If your medical reports indicate that you were drunk driving during the accident, the car insurance company will reject your claim.
Q: I am the second owner of my car, and the insurance still bears the name of the first owner. Can I file a claim for car insurance?
Ans:No, your claim won’t be accepted. As soon as you purchase as car, it is necessary that you get the ownership and car insurance transferred in your name.
Q: Can the insurance company reject my claim if I do not inform them about the accident within the given time frame?
Ans:Yes, the insurer has the right to reject your claim if you have not informed them about the accident within the given timeline.
Q: Which is more profitable – reimbursement claim or cashless claim?
Ans:Both have their own sets of perks and shortcomings. In case of a reimbursement claim, you have the freedom to get your car fixed in any garage of your choice. But first, you have to pay the expenses from your own pocket. In case of a cashless claim, you need to take yours in any of the network garages mentioned in the insurance policy. However, you need not pay a single penny, and the insurance company itself will settle the expenditure on your behalf.