Want to File a Car Insurance Claim?
Call our Helpline numbers 1800-258-5956 OR 1800-103-4448 or Email us - hello@godigit.com. We are available 24/7, even on National Holidays
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 DamageCoverage 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
Reimbursement 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
Car Insurance claims can be a breeze, if you have opted for the right insurance company. So, choose wisely.😊
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