Overview
A motor vehicle insurance claim is a formal request made to your insurer for compensation after your vehicle is damaged, stolen, or involved in an accident. Whether it’s a minor dent or a major accident, knowing how to file your claim quickly and correctly ensures you receive the benefits you are entitled to under your motor insurance policy.
When You Can File a Motor Vehicle Insurance Claim
You can file a claim under the following circumstances:
- Accident Damage – If your vehicle is damaged in a road accident.
- Theft – If your insured vehicle is stolen.
- Natural Disasters – Damage caused by floods, cyclones, earthquakes, etc.
- Man-made Disasters – Vandalism, riots, fire, or malicious acts.
- Third-Party Liability – When you are legally responsible for damage or injury to others.
Types of Motor Vehicle Insurance Claims
- Cashless Claim
The insurer settles the repair bill directly with a network garage. You only pay non-covered expenses. - Reimbursement Claim
You pay the repair charges upfront and later get reimbursed by the insurer after submitting required documents.
How to File a Motor Vehicle Insurance Claim
- Inform Your Insurer Immediately
Contact your insurance company via their helpline, mobile app, or email within 24 hours of the incident. - Lodge an FIR (if required)
In case of theft, major accidents, or third-party injury, file a First Information Report (FIR) at the nearest police station. - Provide Policy & Incident Details
Keep your policy number, vehicle registration, driver’s license, and accident details ready. - Surveyor Inspection
The insurance company will assign a surveyor to assess the damage. - Repair & Settlement
Depending on the claim type, repairs will be done either at a network garage (cashless) or any garage of your choice (reimbursement). - Claim Approval & Payment
After document verification, the insurer will settle the bill directly or reimburse you.
Documents Required for a Motor Vehicle Insurance Claim
- Copy of your Motor Insurance Policy
- Vehicle Registration Certificate (RC)
- Driving License of the driver at the time of the incident
- FIR (in case of theft or major damage)
- Repair Estimate/Bills
- Claim form duly filled and signed
Tips to Ensure Smooth Claim Settlement
- Report the incident immediately to your insurer.
- Do not start repairs before surveyor inspection.
- Keep copies of all communication and documents.
- Ensure your policy is active and all premiums are paid on time.
Why Choose Us for Your Motor Insurance Needs
- Quick and hassle-free claim process
- 24/7 customer support
- Wide network of cashless garages
- Transparent and fair claim settlement
📞 Call Us Now: +91 9373267717
📧 Email: claimchase@gmail.com
🌐 Visit Our Website:www.claimchase.in