By Claimchase – Your Trusted Insurance Claim Support Partner
Did you know?
Every year, over 1.5 crore car insurance claims are filed in India, but 50-60% face delays and nearly 15% get rejected (IRDAI data). The reasons are often simple—late intimation, missing documents, or technical errors—but they can cost you thousands of rupees.
So, how do you make sure your claim doesn’t end up as another statistic? Let’s break down how to claim car insurance the right way:
Step 1: Stay Calm and Click Photos
Before you call anyone, document everything. Take clear pictures of:
- Vehicle damage
- The accident spot
- Third-party vehicle (if involved)
This becomes your strongest evidence—your insurance-proof case file.
Step 2: File an FIR (if required)
For major accidents or third-party damages, an FIR is mandatory. For minor scratches, it’s usually not needed. But remember: No FIR = No claim in serious cases.
Step 3: Inform Your Insurer Immediately
Most insurers require intimation within 24-48 hours. Delay it, and you hand them a reason to reject your claim.
Pro Tip: Do not repair your car until the surveyor inspects it.
Step 4: Submit Required Documents
You’ll typically need:
- Policy document
- Driving license
- RC book
- FIR (if applicable)
- Claim form (duly filled)
A single missing document can delay your settlement.
Step 5: Follow Up Without Losing Patience
The truth is, insurers aren’t in a hurry to pay. Most delays happen here. That’s where Claimchase steps in—we handle the chasing, negotiating, and pushing so you don’t have to.
Why Do Car Insurance Claims Get Rejected?
- Late intimation
- Policy lapses
- Unauthorized repairs
- Incorrect details in the claim form
We resolve these hurdles before they cost you your settlement.
How Claimchase Makes It Simple
- End-to-End Support: From documentation to final settlement
- Expert Negotiation: We ensure you get the amount you deserve
- Hassle-Free Process: No running to offices, no insurer drama
Final Word
Knowing how to claim car insurance can save you time, stress, and money. With so many claims delayed or rejected in India, why risk yours? Let Claimchase handle it while you focus on getting back on the road.
Ready to secure your claim without the chaos?
👉 Get Support Now at Claimchase.in