Car Insurance Claim Assistance

If you need assistance with your car insurance claim, please select your insurer from the list below to get the contact details:

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Claim Process: Car Insurance

Cashless Claim

1. Inform your Insurer: In case of damage due to an accident, inform your insurance company and submit the duly filled claim form. Also, inform the police.
2. Damage Assessment: The insurance company will send a surveyor to assess the damages. You will receive a copy of the report.
3. Send your Car for Repairs: For cashless claims, get your car repaired at the network garages of your insurer. The insurance company will directly pay for covered repairs.

Reimbursement Claims

1. Inform your Insurer: Similar to cashless claims, inform your insurer and the police about the accident.
2. Damage Assessment: A surveyor will assess the damages and prepare a report.
3. Send your Car to the Garage for Repairs: Based on the surveyor’s report, you can choose any garage for repairs.
4. Submit your Bills: After repairs, submit signed bills and documents to the surveyor.
5. Reimbursement of Bills: If documents are in order, the insurance provider will reimburse covered expenses.

Car Insurance Claim Process for a Third-Party Claim

The motor insurance claim process in the case of third-party insurance is slightly different. Follow these steps for a third-party claim:

• If a third party has sent you a legal notice asking for a claim, do not communicate with the party before informing your insurance company. Also, remember not to make any financial commitments or out-of-court settlements before speaking to your insurer first.
• Submit a copy of the notice to your insurer.
• You will also have to submit copies of the RC book of the car, the driving license and the FIR.
• The insurer will verify the documents and assess the accident and if found satisfactory, you will get a lawyer appointed by them.
• If the Motor Accident Claims Tribunal directs you to pay the damages to the third party thereafter, the insurance company will directly pay the dues to the third party. The claim amount under a third party claim is dependent on the age, profession and income of the third party.

Car Insurance Claim Process for a Stolen Car

If your car has been stolen, here is how you can file a claim for theft of your car:

1. First of all, file a complaint with the police and lodge an FIR.
2. Submit a copy of the FIR to the insurance company.
3. Once you receive the final police report (Non-traceable report stamped by the court), make a copy of it and submit it to your insurance provider.
4. The insurance company will assign an investigator for further claim-related investigation. Cooperate with the investigator.
5. Wait for the claim to be approved.
6. Once the claim has been approved, submit the RC book of your stolen car to the insurance company. The name of the owner will then be changed to the insurer’s name.
7. Submit the duplicate keys of the car and also a subrogation letter. You will also need to submit a notarized indemnity on stamp paper to the insurer.
8. Once all the formalities are completed, the insurance company will disburse the claim. The claim amount will be equal to the Insured Declared Value of your vehicle. In case you have purchased the Return to Invoice cover, you will get the invoice price of the vehicle.

It is very important to be well-informed about the formalities related to making a car insurance claim. Whether you need to make a small claim due to a minor accident or a major claim due to the theft of your car, knowing the procedures will make the job a lot simpler for you. Moreover, it is always advised to do thorough research about the car insurance claim settlement ratio of a particular insurer before making a final purchase.

Reasons for Claim Rejections

Every car insurance claim that is raised by the policyholder may not be settled. Some claims get rejected. An insurance company reserves the right to accept or reject a claim. So, it is advisable to take the necessary precautions to avoid getting your claim rejected.

• Incorrect or misrepresentation of information while raising a claim.
• Claims raised against damage that is not covered by the policy.
• Getting your car repaired before or without informing the insurance broker.
• In case the claim is raised after the car insurance policy has expired.
• Not disclosing information such as modifications to the insured car.
• Unreasonable delay in raising the claim request.
• Driving the insured car without a valid driving license.
• The insurance of your second-hand car is still under the previous car owner.
• The owner/driver uses the car for purposes other than those mentioned in the policy.
• A false claim made with untruthful information.
• Driving the insured car under the influence of alcohol or other intoxicating substances at the time of the accident.
• Claims raised for reasons that are otherwise not covered as per the terms and conditions of the insurance policy.

Role of the Surveyor in the Claim Process

Insurance firms use surveyors, sometimes referred to as loss assessors, to evaluate the true loss or damages resulting from mishaps, break-ins, fires, etc. to resolve claims. In order to settle disputes, the surveyors’ primary responsibility is to serve as a mediator between the policyholder and the insurance company. Having said that, not all claims call for surveyors. Here, we have defined the surveyor categorization limit in accordance with the guidelines issued by the regulatory body, IRDAI. If a claim satisfies the requirements listed on our website, we will assign an impartial surveyor to examine the insured vehicle, evaluate its damages, and give ACKO the information they need. To proceed with the claim processing, the surveyor is crucial. Below are the roles and responsibilities of the surveyor:

• Investigate and validate: Examine, measure, and confirm the degree of the loss, then provide us with the results.
• Provide unbiased assessment: Provide an objective, professional evaluation while abiding by the stringent code of conduct.
• Work in a time-bound manner: Provide the assessment and finish it in the allotted time.
• Provide clear update to the policyholder: The surveyor must inform the policyholder about the claim procedure and the assessment of damages during the survey or assessment.

How to Claim Car Insurance for Third-Party Claim

In case your car causes damage to the third-party vehicle, here are the steps to follow:

Step 1: The person who was not involved in the accident should file a First Information Report (FIR) with the local police station.

Step 2: Give a third party access to the specifics of your auto insurance policy.

Step 3: Notify your insurance broker of the incident right away and provide them with all the accident-related information.

Step 4: Please notify us right away if you receive any legal notification from the Motor Accident Claims Tribunal (MACT). The legal notice will be handled by the insurance broker on your behalf.

Step 5: The third-party claimant’s compensation will be reviewed and decided by the MACT. In accordance, the insurance broker will resolve the matter.

Car Insurance Claim Process in Case Another Vehicle Damages Your Car

Step 1: Obtain the third party’s details from their auto insurance policy.

Step 2: File a formal complaint (FIR) at the local police station and report the occurrence to the third party’s insurance provider.

Step 3: Notify Insurance brokers about the occurrence right away and provide them with all the information regarding the accident station.

Step 4: If you receive any legal notice from the Motor Accident Claims Tribunal (MACT), please inform us immediately.

Step 5: Compensation will be reviewed and decided by the MACT. You will get the appropriate compensation from the third-party’s insurance provider.

Car Insurance Claim Process for a Stolen Car

Step 1: File a formal complaint (FIR) at the neighborhood police station and notify us right away by logging into your Insurance app or website account. To register the claim, you can also give our toll-free number a call.

Step 2: To make an insurance claim for car theft, upload the FIR, your driver’s license, and the car’s registration certificate.

Step 3: If the police can’t find your car in the allotted time, they will issue a non-traceable certificate. By signing into your insurance account, submit the same.

Step 4: Get your claim settled in accordance with the policy’s terms and conditions. The amount will match the invoice’s stated value if you purchased a Return to Invoice cover for a new vehicle.

Documents Checklist

Here’s a list of documents you may need:

• Duly filled and signed claim form
• KYC
• Copy of insurance policy
• Copy of vehicle RC
• Driver’s license copy

Frequently Asked Questions

Comprehensive vs. Liability Policy: Third Party Liability is mandatory. Comprehensive policy covers both liability and own damage.

Policy Period: Motor policy is usually valid for one year. Renew on time to avoid inspection.

No Claim Bonus (NCB): NCB is a benefit for not making claims, ranging from 20-50%. It doesn’t transfer with the vehicle.

Switching Insurers and NCB: Yes, NCB can be availed if you change the insurer. Provide proof of NCB.

Vehicle Transfer and Insurance: Registration and insurance should be in the same name. Fresh proposal needed for transfer.

Lost Insurance Policy: Approach the issuing office with a written request for a duplicate policy. A nominal fee is charged.