How to File a Claim with Your Car Insurance Provider?

Car insurance claim is the only hope left for you in case you meet any damage or loss to your vehicle causing from an unforeseen accident. Therefore, you must be very careful in terms of filing a car insurance claim with your insurance provider. In case you file a claim without providing the right details in support of your claim or lying regarding the damage of your claim will result in the rejection of the claim. So you must know how to file a claim.

There are different types of procedures for filing claims for different sort of car damages or loss. For instance, the own damage claim procedure will be different from the liability on claim procedure. Find out the different types of claim procedures on your car insurance policy below.

Car Insurance Claim Procedure for Filing Accidental Damage to the Vehicle

• Intimate immediately to the nearest office of your motor insurance provider from where you will be issued a Claim Form. You can also download the claim form from the website of your car insurance provider online.
• Submit the duly filled Claim Form along with a copy of driving license of the vehicle’s driver when the accident took place and Registration Certificate to estimate the costs of repairs.
• Your vehicle will be surveyed by a Surveyor sent on behalf of the car insurance company. The surveyor will be responsible for submitting his report to the company. A spot survey, at the site of an accident, would also be initiated by the company in case of major loss or damage to the car.
• Cash memos /Final bills are to be submitted duly signed by the insured.
• Salvage of the damaged parts of your vehicle may be needed to be deposited with the insurance company after the claim gets approved.

Car Insurance Claim Procedure in Case of Theft of the Vehicle

• Immediately after the theft, lodge an F.I.R. (First Information Report) with the nearest police station without any delay.
• Notify the policy issuing office with a copy of F.I.R.
• As soon as it is received, submit the Final Police Report.
• Extend full cooperation to the investigator/surveyor appointed by the company.
• After your car insurance claim is approved by the car insurance company, get the Registration Certificate transferred in the name of the company. Hand over the keys of the vehicle; submit a letter of Indemnity and Subrogation on stamp paper duly notarized.

Car Insurance Claim Procedure for Filing Liability Claim

• Inform your car insurer immediately of any incident that could to give rise to a liability claim.
• The same should be sent to the company immediately on receipt of summons from Court.
• Claim Form is to be submitted after it has been duly filled in along with copies of Driving License, Registration Certificate, and FIR etc.

One thing you must keep in mind in terms of buying or renewing car insurance that you only go for the top best insurers in India to experience a smooth claim procedure. At GIBL.IN you can easily compare a number or car insurance policies on offer from the top motor insurance providers and go for the one on the basis of your requirements and budget.