Step-by-step process to File Car Insurance Claim:
If you’re in an accident, follow these steps to ensure your claim isn’t rejected:
• Inform Your Insurer Immediately: Most companies require notification within 24–48 hours.
• Document the Scene: Take clear photos/videos of the damage and the location.
• File an FIR: Mandatory for theft, third-party injuries, or major accidents.
• Surveyor Inspection: The insurer will send a surveyor (often digitally via video call) to assess the damage before repairs begin.
• Choose Repair Mode:
• Cashless: At a “Network Garage” where the insurer pays the bill directly (you only pay deductibles).
• Reimbursement: At any garage; you pay upfront and claim the money back later.
Common Claim Rejection Reasons
• Driving with an expired license or under the influence.
• Delaying the notification to the insurance company.
• Using a private vehicle for commercial purposes (e.g., as a taxi)