How to Claim Car Insurance: Digit's Car Insurance Claim Procedure

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Car Insurance Claim: A Complete Guide

Have taken an insurance policy but don’t know what to do when you need it? This blog is your holy grail that helps to know how to claim for car insurance in different situations! Every Insurance policy looks perfect, before you have to make a claim for it.

Claims is the moment of truth for the customer and the ease of getting it actually makes you think about continuing with the insurance provider. No matter how careful we are about our driving, sometimes things are just not in our control. So, it is always wise to know the claim process beforehand. Incase if there’s a mishap you know exactly what to do.

What all is covered in your car insurance?

There are two main things that are covered under your car insurance: Own Damage and Third-Party Liability

Things covered under Own Damage

Coverage against loss of or damage to your vehicle caused by accident, theft, fire, explosion, self-ignition, lightning, riots, strikes or act of terrorism, natural calamities.

Things covered under Third Party Liability:

Also, your car insurance offers Unlimited Personal Accident cover, which you can opt for. Incase if there’s an injury or death of the owner driver, this cover takes care of the expenses as well as offers a lump sum compensation.

How to Select a Car Insurance Company?

So, how should you select a car insurance company to ensure that your car insurance claim process is easy and simple?

Service Benefits

Check the car insurance claim process. The simpler it is, the faster will the process be for you.
At Digit, your claim gets registered with just a call. We don’t make you fill any forms.
Also, our smartphone-enabled self-inspection lets you shoot the damages of your car in the convenience of your smartphone, without having to wait for a third party to assess your car.

Customer Care Service

You should try giving a call to the customer care team before choosing your insurer, and you will get an idea on how fast and helpful they are.
Also, look for a company that offers 24*7 customer support, like we at Digit do, even on National Holidays.

Speed of Claim Settlement

Check for the claim settlement turn around time, as that will actually give you an insight on how fast the claims are settled by the insurer.
Digit, 90.4% of the motor claims settled are within 30 days.

Different types of Car Insurance Claims

Cashless Claim

Cashless car insurance is a benefit offered by the car insurer where you don’t have to pay anything to get your car repaired if the repairs are done in the insurance company’s authorized garages. At Digit, we have 6000+ garages across the country and we also offer a Pick-up, Repair and Drop service with a 6 months repair warranty.

Reimbursement Claim

Quite often we have a garage which has won our heart every time and we want to repair our car only there. For such situations, we offer you a reimbursement, once you've sent us all the invoices of the repairs done during the claim.

How to Claim Car Insurance

Car Insurance Claim Process

If you have a Digit Car Insurance Policy, the car insurance claim process is easy breezy, just follow up the steps below:

For claims, just call on 1800-258-5956. No forms to be filled.
Get a link for Self-Inspection on your registered mobile number
Shoot your vehicle’s damages from your smartphone through a guided step by step process
Our team will then assess the damages and get back with an estimate
Post that, you may choose the mode of of repair you wish to opt for; i.e Reimbursement or Cashless Settlement through our network of garages. We have more than 1000 cashless garages that you can use, available across India.

Third-party Claim Process

In case there is an accident and if you have damaged someone else’s vehicle, or property, here’s how you can settle the matter without it getting out of hand, with the help of your car insurance.

The Third Party should lodge a FIR at the local police station.
You need to share a copy of your auto insurance policy with the third-party, so that they can raise a claim under it.
All third-party liability claims are settled in a Motor Accident Claims Tribunal (MACT). The third party must file a case at the local tribunal.

Claim Process in Case of Theft

Some days our luck just ditches us, and our beloved car gets stolen. In such times, you should follow the steps for a vehicle insurance claim procedure:

Lodge a FIR with the police.
Tell your insurance company of the theft.

Documents required for Car Insurance Claim

Third-party Claims

The following documents will have to be submitted for a Third-party car insurance claim:

Duly-filled and signed claim form.
A copy of the FIR.
A copy of your valid Driving License.
A copy of the first 2 pages of your policy document.
A copy of your vehicle's RC.

Car Theft Claims

The following documents will have to be submitted for a car insurance claim in case of theft:

A copy of the registration certificate of your car.
Copy of your driving license.
A copy of the FIR.
The first two pages of your car insurance policy document.
A letter addressed to the RTO.
Once this is done the police will attempt to locate your vehicle. After 6 months, if the vehicle has still not been found, the police will issue a ‘Non-Traceable Report', completing the transfer of the RC of your lost car to the insurance company. A letter of subrogation will also be submitted. Once all relevant documents are received by the insurer, the claim will be settled.

Car Accident Claims

The following documents will have to be submitted to make a car insurance claim for accidents.

Duly-filled and signed claim form.
A copy of your vehicle's RC.
A copy of your valid Driving License.
A copy of the first 2 pages of your policy document.
A copy of the FIR.
The original estimate, invoice, and payment receipt for cash and cashless garage.

Some Situations where your Car Insurance Claim might get Rejected

Damage due to drunk driving
Driving without a valid driving license
Driving with a learner’s license and without a valid driving license holder in the passenger’s seat
Damage which is not a direct result of an accident
Damage due to contributory negligence
No proof of accident given
False proofs provided
The claim was filed too late

Car Insurance claims can be a breeze, if you have opted for the right insurance company. So, choose wisely.😊