Car Insurance Claims

Your car insurance pays for your financial loss in case your automobile is damaged or a death or injury of third-party or damage to the property is caused due to your vehicle. The extent of compensation depends on the terms and conditions of your insurance policy. Let us give you more information on the process to claim car insurance:

How to Claim Car Insurance

Your car insurance pays for your financial loss in case your vehicle is damaged or a ‘third-party’ was damaged by your vehicle. The extent of compensation depends on the terms and conditions of your insurance policy. Here is the process of how to claim car insurance

  1. Report to your insurer immediately about the damage/accident.
  2. A surveyor will come to check the damage and approve the claim.
  3. The company will then settle the bill directly with your cashless garage or reimburse you. In case of personal injuries, your insurer will pay for the treatment of injuries or reimburse you.

The above steps need to be followed in case of making all types(third-party, own damage or personal injuries) of car insurance claim.

5 Steps involved in Car Insurance Claim Process at Acko General Insurance

Here is a step-by-step Car Insurance Claim Process against your Car Insurance Policy:

  1. Download our application and file a claim in a very easy-to-use interface/ Log onto our website Call on Acko General Insurance’s toll-free helpline number and file a claim.
  2. Damages will be approved and in no time a repairman will be scheduled for a visit at your doorstep.
  3. Just in case the Car can’t be repaired at your doorstep, you’ll be directed to the nearest workshop to get the Car repaired.
  4. In case of third-party claim: You need to submit the claim form with a copy of your driver’s license, the Car’s registration certificate, police FIR copy and we will take care of the rest.
  5. In case of theft: You need to submit the automotive claim form with original keys, the Car’s registration certificate, and a police FIR copy to get started.

3 Types of Car Insurance Claims

Your claim depends on the type of insurance policy you have. This is because different insurance types offer different coverage. So, your insurer will pay for a particular damage only if it is covered under the policy. Filing a claim in such cases only lead to rejection.

So here are the different car insurance claims you can file:

  • Claim for Third-party Damage:

The most basic auto insurance covers ‘Third-party liability’. This is when you file a claim for damage caused to another person and their automobile or property. Your insurer will take care of the other vehicle’s damage.

  • Claim for Own Vehicle Damage:

In case you get involved in an accident, your insurer will pay for the damages incurred to your car. However, your insurance policy needs to cover ‘own damage’. This is usually a part of a ‘comprehensive car insurance policy’.

  • Claim for Personal Injuries:

Auto insurance policies also pay for any treatments you undergo due to an accident-related damage. While filing the claim, you will have to submit the details of the medical treatment. You must also prove that the injury was a result of the accident.

When Claiming Wouldn’t be Possible

In the following cases, you cannot begin with the insurance claim process for car against your Insurance Policy:

  • Drunk driving or under influence of some other intoxicant.
  • Driving without a valid driving license.
  • Delay in intimating the insurance company about the claim.
  • Not informing your insurer before the repair/automobile inspection.
  • A lapsed policy

What Is Reimbursement Claim?

A reimbursement claim can be made depending on the terms and conditions of your motor insurance policy. You can file a claim against the damages caused to your car against your auto insurance policy. In this type of claim, you need to get your car repaired from a garage and submit relevant bills and receipts of repair to your insurer. Your insurer will then reimburse you for the payment you made, for getting the car repaired, after subtracting the deductibles from the claim amount.

What Is Cashless Claim?

A cashless claim is a type of claim in which the owner of an insured car does not have to pay the cost of getting the car repaired. Here the owner can get in touch with the insurance company after reporting an accident and can either drop the car at a network garage or get this arranged from the insurer. The owner can collect the repaired vehicles soon after paying the deductible amount.

Reasons for Claim Rejection

Some of the common reasons for claim rejection include the following:

  • Not reporting your insurer about an accident or theft within a specific time period.
  • Not following safety measures
  • Leaving your car unattended, which eventually leads to theft. For example, leaving the car keys in the ignition.
  • Not intimating your insurer about modifications. For example, installation of a CNG kit.

Choosing a car insurance policy which best suits your needs will prove to be beneficial while you file a claim. The process is simple and gives you the value for your hard-earned money in an hour of need.

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