A car insurance claim is the process through which the policyholder asks the insurance company to pay for the damages their car has sustained, most often due to an accident, a natural or manufactured disaster, theft, a fire, etc.
A hassle-free experience depends on your ability to record claims under your auto insurance. Getting the necessary documentation is crucial to a more seamless claim procedure.
- Owner’s licence for a vehicle
- A duplicate of the insurance certificate
- Certificate of Registration (RC) for the insured vehicle
- Identification documentation for the policyholder
- If filed, a first information report (FIR)
- Submitted Fire Brigade Report
- Returned check
- The original invoice for payment (if opted for Return to Invoice add-on cover)
- Any additional paperwork that the insurer requests
- Document needed for various claim types
The procedure for filing an automobile insurance claim can vary depending on the circumstances. You can also apply for car insurance online. The various claim types and required documentation are shown below.
- Injury claims
- Owner’s licence for a vehicle
- Properly completed auto insurance claim form
- A duplicate of the insurance certificate
- FIR (if lodged)
- Certificate of Registration (RC) for the insured vehicle
- Submitted Fire Brigade Report
- Returned check
- Images of the vehicle’s damages
- Initial repair invoices (in case of reimbursement)
- Original receipts for payments (in case of a refund)
- The original invoice for payment (if opted for Return to Invoice add-on cover)
- Theft allegations
- Vehicle’s Insurance Certificate of Registration
- Properly completed auto insurance claim form
- Owner-driving driver’s licence
- A duplicate of the insurance certificate
- Certificate of Non-Traceability (NTC) issued by the local police
- The original invoice for payment (if opted for Return to Invoice add-on cover)
- Returned check
- Third-party assertions
- Driving licence of the driver
- Properly completed auto insurance claim form
- A duplicate of the insurance certificate
- FIR
- Vehicle’s Insurance Certificate of Registration
- Images showing the vehicle’s damages
- Personal injury claims
- Driving licence of the driver
- Properly completed auto insurance claim form
- A copy of the insurance vehicle’s registration certificate
- A duplicate of the insurance certificate
- Images of the car that is insured after being damaged
- Initial repair invoices (in case of reimbursement)
- Original receipts for payments (in case of a refund)
- The original invoice for payment (if opted for Return to Invoice add-on cover)
Reasons for denying claims
Not all vehicle insurance claims made by the policyholder will be resolved. Some claims are turned down. A claim may be approved or denied by an insurance company. Therefore, it is advised to take the required safeguards to prevent having your claim denied. You can also learn more about how to claim car insurance.
False or inaccurate information is presented when making a claim.
- Claims made for damage that the policy does not cover.
- If the claim is made after the car insurance policy has run out of coverage.
- Concealing details like changes made to the insured car.
- The claim request was raised with an unreasonable delay.
- Driving without a legal licence while operating the insured vehicle.
- The prior owner’s insurance still covers your used car.
- The owner or driver uses the vehicle for purposes not covered by the policy.
- A misstatement supported by misleading information.
- Alcohol or other intoxicating substances were used while driving the insured vehicle during the collision.
- Damage to your vehicle brought on by carelessness, such as starting a wet car’s engine.
- The insurer notes that the repair costs will exceed the car’s depreciated value.
Claims are made for reasons the insurance policy’s terms and conditions do not otherwise cover. Remember to read what is covered in car insurance before opting for one.
“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.”
