Car Insurance Claim Procedure

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Motor Vehicle Insurance is mandatory in India under the Motor Vehicle Act 1988. Car insurance is insurance that covers the risk of third party use of the vehicle and protects against the risk of damage caused to the vehicle. Indians do not care about the Life Insurance Plan or the Medical Insurance plan but are very concerned about Motor Vehicle Insurance whether they are driving a Scooter or a Bike or a Car or a Truck. It is imperative otherwise if anyone is injured other than an insured vehicle, it will be treated as a criminal offense.

Nowadays everyone has their own cars, the streets are full of jam pack and cars, the risk is high so, car insurance companies are growing day by day and the demands are also rising. But too often, policymakers are not sure what to do to get their Car Insurance claim claim.

Here we explain the process of how to invest in your car insurance. This will help you a lot.

How to Apply for Your Car Insurance Application

We will understand this process in some cases step by step so it will be much easier for us.

Self-injury claims: If your car has been involved in an accident, you must follow these steps to apply for a personal injury:

Notify the insurance service provider – You must first notify the insurer immediately and you must submit a properly completed claim form and the required documents to the insurance company before sending the car to the garage for any repairs. Forms are available on the websites of insurance providers. Most insurers follow strict guidelines and what is stated in the policy documents.
Lodge FIR – In some cases, a First Information Report (FIR) is required so install the FIR at the nearest police station on the safe side. Although it may not mandate payment of claims, it is advisable to install a MOTO. It depends.
Damage Inspection – Once you have informed the insurance service providers, they will appoint a researcher to inspect / damage your vehicle. He will prepare the report and forward it to the insurance company. You will also receive a copy and take your car to the nearest network garage to repair it. Note: In the event of a major damage, the air traffic controller will arrive at the scene of the accident to begin the investigation.
Claim payment – As soon as the insurance company receives a research report, they will review the claim claim and send a permit to the garage. The garage will need to provide an estimated cost of car repairs and a reasonable amount of time. The insurance company will contact the network garage for a complete overview of the extent of the damage and how the repair work is progressing.
After the work is completed, you will have to take the officially signed debts and documents from the garage and submit them to the international inspector. The inspector will send it to the insurance company.
Once all the paperwork is completed, the insurance provider will pay your debts. Keep in mind that there will be some mandatory deductions and fixed withdrawals, as stated in the policy document. Once your claim is settled and your car is ready you can drive again.

Third party car insurance claim process: -If you are in danger of being injured by a third party, here is what you need to do:

Notify your insurance service provider – First and foremost you should notify your service provider as soon as possible. Also remember not to make any financial commitment to a third party.
Lodge FIR – Lodge FIR at the nearest police station and keep a copy of the FIR for future use.
Share policy document – You must share a copy of your car insurance with a third party, so they can claim it from you.
Claim to the Motor Tribunal – According to the Motor Vehicles Act 1988, claims by foreign companies are referred to the Motor Accident Claims Tribunal (MACT). A claim may be lodged by a third party in a court adjacent to the place where he or she resides.
After receiving all the documents, the insurance provider will verify the documents and look at the risk and if found satisfactory, you will get a lawyer appointed by them.
If the court orders you to pay damages to a third party thereafter, the insurance service company will pay the third party payments directly.

It is advisable to see that the situation can be resolved peacefully outside the court.

Stolen Claims: If you find your car stolen, follow the procedure below.

Lodge FIR – Lodge FIR at the nearest police station and keep a copy of the FIR for future use.
Notify your insurance service provider – You must notify your service provider as soon as possible with a copy of the MOTO
Once you have received the final report at the police station, make a copy of it and send it to your insurance company. The insurance company will assign the investigator. The investigator will make the report and send it to the insurance company. When that is done, submit the RC deed of your stolen vehicle to the insurance company.
Submit duplicate keys to the car and a notebook. You will also need to send the written credit to the stamp paper as well.
When all the formalities have been completed, the insurance company will issue a claim.
It is very important for us to know the terms of the car insurance claim process otherwise many people pay out of their own pockets due to the lack of this information. Nowadays every insurance service provider has an excellent network of customer support and their teams are competent and cooperative so you should contact your insurance whenever you need it.

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