HOW TO REGISTER CAR INSURANCE CLAIMS IN CHOLAMANDALAM

Many times, people are confused when it comes to claiming insurance and this can lead them to question how one can file for insurance claims especially when it comes to Cholamandalam car insurance. Here we are going to look at how one can register a car insurance claim in Cholamandalam and what things they should take note of to avoid any insurance claim rejection.

Types Of Car Insurance Claims in Cholamandalam

The following are the various types of insurance claims available for people when they want to register car insurance claim in Cholamandalam:

Cashless Claim

One can directly get their vehicle repaired and serviced from any of the network garages across the country under cashless claim as the insurance provider will settle the bill directly with the network garage after charging the deductibles when they register their claim in Chola MS car insurance claim.

Reimbursement Claim

The insurance provider will reimburse the policyholder for repair and servicing charges that they had to pay to get the vehicle running again on the road if the policyholder files for the reimbursement claim when registering for the Chola insurance claim.

How Can One Register A Car Insurance Claim In Cholamandalam?

The following are the steps to register a car insurance claim in Cholamandalam:

1. Cashless Chola Insurance Claim

Intimate The Insurance Provider Of The Claim

One needs to inform their insurance provider of their damages and file for the insurance claim within 24 hours of the accident either by toll-free number or through the official website of the insurance provider.

Inspection And Verification By The Insurance Provider

An inspection will be performed by the insurance provider to verify the insurance claim damages.

Take The Vehicle To A Network Garage

One can either take or tow their vehicle to a network garage for further process.

Repair And Service The Vehicle For Damage

The vehicle will be repaired and serviced for any damages, or any other issues and the bill will be charged to the insurance provider directly under the cashless Cholamandalam car insurance claim.

Settlement Of The Claim

Insurance will settle all the bill amounts for the repair and servicing done on the vehicle after charging the required deductibles.

2. Reimbursement Chola Insurance Claim

Intimate The Insurance Provider Of The Claim

One needs to inform their insurance provider of their damages and file for the insurance claim within 24 hours of the accident either by toll-free number or through the official website of the insurance provider.

Inspection And Verification By The Insurance Provider

An inspection will be performed by the insurance provider to verify the insurance claim damages.

Take The Vehicle To The Garage

One can either take or tow their vehicle to a nearby garage for further process.

Repair And Service The Vehicle For Damage

The vehicle will be repaired and serviced for any damages, or any other issues and the bill will be charged to the owner of the vehicle which the insurance provider will reimburse under the reimbursement Cholamandalam car insurance claim.

Settlement Of The Claim

Insurance will settle all the bill amount with the policyholder for the repair and servicing done on the vehicle after charging the required deductibles.

Documents Required To Register Car Insurance Claim In Cholamandalam

The following documents to register a car insurance claim in Cholamandalam:

1. Government-verified identification.
2. Registration of the vehicle.
3. Driving licence of the owner.
4. Original policy document.
5. FIR report copies if applicable.
6. No trace report in case of theft.
7. Bill receipts in case of reimbursement claim.

Reason For Insurance Claim Rejection

The following are some of the common reasons for insurance claim rejection that one needs to keep in mind before registering a car insurance claim in Cholamandalam:

1. Damage inflicted by self.
2. Late claim intimation.
3. Damage due to driving under the influence.
4. Damage due to negligence.
5. Lack of details.
6. Damage due to commercial use of the vehicle.
7. Damage due to the use of the vehicle in a criminal act.
8. Damage due to rough driving.

Conclusion

Cholamandalam offers its customers a fast and smooth insurance claim process. Customers can easily apply to register a car insurance claim in Cholamandalam by directly calling the toll-free helpline or by visiting the official website of the insurance provider. But one also needs to make sure to read all the policy insurance documents before they register for a Chola MS car insurance claim to avoid any insurance claim hassle or rejection. Now, one can also get their comprehensive car insurance policy online in just a few easy steps from Quickinsure by visiting their official website and comparing various available plans and getting the insurance policy they require.

FAQs - Frequently Asked Questions

Q1. Can still one have NCB after claiming Chola insurance claim?

If the policyholder has not claimed any benefits of insurance during their previous insurance cycle, then they are still able to get NCB or No claim bonus from the insurance provider.

Q2. What are the main documents that one should submit when they register a car insurance claim in Cholamandalam?

The main documents that are required when one is registering a car insurance claim in Cholamandalam are original policy documents, Government identification, and Vehicle registration number.

Q3. What is the wait time for claim settlement?

An average of 7-8 days is required for settlement of one’s insurance claim whether cashless or reimbursement but can also vary with the insurance provider.

Q4. Is an FIR report mandatory when filing for an insurance claim?

FIR reports are only mandatory when there's been a theft or third-party damage that the insurance provider needs to verify.