Car insurance online offers financial protection in accidents or theft. The insurer fulfils its commitment by settling legitimate claims. Claimants need to follow specified procedures to get their claims processed after experiencing a loss.
How Do I File A Car Insurance Claim?
Contact your insurer to initiate the claim process and submit the necessary documentation. For a cashless claim, your vehicle goes to a network garage, where damages are estimated. If the claim is approved, you won’t cover repair costs, but deductibles apply post-repair.
If you file a reimbursement claim, your insurer will pay back the amount you paid to have your car fixed, less the deductibles. *
Car Insurance Claim Dos And Don’ts
Though filing a car insurance claim procedure may seem daunting after a loss, insurers now prioritise a customer-centric approach to minimise hassle. Familiarising yourself with the dos and don’ts of the process increases the likelihood of a smooth and accepted claim.
Make A Police Report
You must notify the authorities no matter what kind of claim you make. The accident scene will be formatted correctly in the first information report. This will make it easier for your insurer to assess the circumstances.
Speak With Your Insurance Provider
Claimants no longer need insurance agents for paperwork; technology has simplified the process. Contact your insurer’s customer service to understand their car insurance online claims procedures.
Use Particular Care When Completing Forms
As you fill out the claim form, keep all the information close at hand. This contains information about the insured car, your credentials, and the specifics of your policy. Your insurer may receive inaccurate information due to a simple typo.
The following are things to stay away from when filing a claim on your car insurance:
Avoid Making Snap Decisions
The third-party may make instant settlement offers in the event of an accident. It might be much less than what it would cost to fix the damages. Requesting the third party’s policy details before filing a claim is a good idea.
Keep Track Of Timelines
Your insurer would have established the deadline for filing a claim based on the nature of the car insurance claim. To determine the precise amount of time you have to submit your claim, contact your insurer. The deadlines are designed to prevent loss from continuing to use a damaged vehicle. The insurer may, however, think about rescinding the timeliness in the event of a severe collision in which the insured vehicle’s driver sustains significant injuries and is hospitalised. Make sure you do the car insurance renewal process on time.
Don’t Be Dishonest About Claims
Insurance companies only pay for legitimate claims. The claimant’s record is tarnished if a fraudulent claim is found. Always tell the truth about what happened and make a sincere claim.
The insurer must know all the incidental details to approve a claim. You are providing your insurer with these details when you file a claim. Your chances of having your claim settled are increased if you follow the claim procedure and tell the truth about it.
* Standard T&C Apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.