New India Car Insurance Claim
A policyholder for auto insurance has the right to a claim as payment for losses sustained in an accident. A “claim” is a formal request made by a policyholder to the insurer, requesting that the insurer reimburse the policy amount. There are two ways to start the claim settlement process: reimbursement claims and cashless claim settlement.
As per the Motor Vehicle Act, 1988 it is mandatory for every owner of a vehicle plying on public roads, to take an insurance policy, to cover the amount, which the owner becomes legally liable to pay as damages to third parties as a result of accidental death, bodily injury or damage to property. A Certificate of Insurance must be carried in the vehicle as proof of such insurance.
List of Documents Required During Claim Settlement
- Driving License
- Estimate of Repairs
- Copy of Claim Intimation
- Registration Certificate of Vehicle
- Duly filled and signed claim form
- Police Panchnama/FiIR (if needed)
- Xerox copy of policy and premium receipt
- Registration Certificate of Insured Vehicle
- Any other necessary documents required fit for the circumstances
- Stamped receipt, Bills, and Cash Memo of repairs, verification of road tax.
How To Make New India Cashless Car Insurance Claim?
- Claim Intimation: Notify the company of the theft or accident as soon as possible using the toll-free number or the “intimate a claim” option on the homepage. Provide all available information.
- Registration of Claim: Customer support will provide the policyholder with a claim reference number and other essential details and instructions.
- Arrangement Of A Surveyor By The Company: A surveyor will be assigned to evaluate the accident’s damage and loss once the claim is duly registered.
- Survey and Submission of Documents: Provide required documentation following the surveyor’s evaluation of the accident-related damages.
- Repair and Final Claim Settlement: Policyholders can take advantage of simple and practical cashless claim services at preferred workshops. The company will promptly settle the claim after the relevant paperwork is submitted.
Add-On Covers
The policy can be extended to cover the following risks on payment of additional premium:
- Loss or damage to accessories fitted in the vehicle such as stereos, fans, air-conditioners, etc.
- Personal accident cover under private car policies for:
- Passengers
- Paid Driver
- Legal Liability to employees.
- Legal Liability to non-fare paying passengers in commercial vehicles.
Frequently Asked Questions
- What are the policies available for covering the vehicles?
There are two policies: Motor Liability Only Policy and Motor Package Policy. - Is it mandatory to have insurance for plying vehicles in public places?
As per Motor Vehicle Act, it is mandatory to have Motor Liability only Policy for covering Third Party.
