HOW TO FILE TATA AIG MOTOR INSURANCE CLAIM

What is TATA AIG Motor Insurance Claim?

This article explores TATA AIG car insurance claims and TATA AIG vehicle insurance claims including how to file a claim, what will be documents required, and what could be the possible reasons for rejection of the filed claim.  First, let’s look at the types of TATA AIG vehicle insurance claims.

Types of Motor Insurance Claims

TATA AIG Cashless Claim:You bring your vehicle to a network garage for repairs when you file a cashless claim. TATA AIG will pay the garage directly in this situation. You only have to pay your deductible.

TATA AIG Reimbursement claim: In case of a reimbursement claim for your damaged vehicle, initially, you have to bear the expenses for the repair out of your pocket.  After verification of all related documents, the insurer will reimburse the incurred cost. In this type of claim, it is not obligatory to get your vehicle repaired at the insurer’s network garage.  You can take your vehicle to any workshop of your choice. Be sure to maintain all the repair bills accurately.

How to File TATA AIG Motor Insurance Claim?

Step 1: Intimation

The insurer should be notified right away if the vehicle is stolen, is involved in an accident, or is damaged in any way. To notify the insurer, you can go to the insurer’s nearest branch or visit the insurer’s official website.

Step 2: Submission of Documents

Submit the required documents online and a surveyor will be appointed to analyze the state of damages to the vehicle. A list of documents required to register the claim is provided further in this article.

Step 3: Survey

The insurance company's surveyor will evaluate the damage and repair costs after the claim is filed. Any additional costs incurred, i.e., damages to uninsured parts must be covered by the insured.

Step 4: Claim Settlement

In case of a cashless claim, the company will pay the approved amount directly to the network garage which will repair your vehicle. In case of a reimbursement claim, this approved amount is paid to the policyholder.

Documents Required for Filing TATA AIG Motor Insurance Claim

1. Accurately filled and signed claim form
2. Vehicle insurance policy document
3. Registration Certificate (RC) of the vehicle
4. Driving License
5. Copy of FIR (First Information Report)
6. Paymentreceipts/bills once the repair has been done (in case of reimbursement claims)
7. ‘No Trace Report’ of the insured vehicle from the police (in case of theft of insured vehicle)
8. Duly filled and signed 26, 28, 29, 30, and 35 Forms (in case of theft of insured vehicle)
9. Theft declaration from Regional Transport Office (in case of theft of insured vehicle)
10. All sets of keys/Warranty Card/Service Booklets (in case of theft of insured vehicle)

Common Reasons for TATA AIG Motor Insurance Claim Rejection

1. Fraud claim/ claiming wrong coverage amount
2. Falsifying facts
3. Improper functioning of the vehicle parts
4. Lack of details required to process the claim
5. Delayed claim intimation
6. Negligence on part of the driver
7. Driving without a license
8. Intoxication

Frequently Asked Questions

1. What are voluntary deductibles?

A voluntary deductible is a minimum amount that you choose to pay from the claim amount. The policyholder is required to pay the amount before the insurer contributes to the rest of the claim value. Aside from the voluntary deductible, the policyholder also contributes to a mandatory deductible, which provides more coverage in the event of a claim.

For example, if your repair costs Rs. 2000 and you choose a voluntary deductible of Rs. 1000, this is paid in advance as an investment in your car's repairs. The insurer will cover the remaining claim amount up to the limits specified in the insurance policy.

2. What is the meaning of filing a claim in TATA AIG?

When you file a claim for your vehicle, you are informing your insurance company about an occurrence that has resulted in damage to the covered vehicle. Accidents, theft, or natural or man-made calamities are examples of such occurrences.

3. Is it possible to file a claim for my stolen car?

In the event of car theft, your car insurance carrier will pay you the car’s Insured Declared Value (IDV). Car theft is not covered by a standard third-party liability insurance policy; it is covered by a comprehensive policy.

4. Will I be able to file a TATA AIG vehicle claim if I don’t go to a TATA AIG network garage?

Yes. Notify the insurer immediately after the accident, and take your vehicle to the garage of your choice. You can file a reimbursement claim and submit all the repair bills to the insurer.  The insurer will settle the claim amount after verification.