How to File a Motor Insurance Claim: A Step-by-Step Guide

Getting your vehicle damaged, whether through a bad accident, theft, vandalism, or a natural disaster, the aftermath is always devastating. There is much to do, from dealing with medical issues to repairing your vehicle. A lot is to be taken care of. However, one of the most crucial things to do is file a claim with your motor insurance policy. While filing for a claim is not overly complicated, it can feel overwhelming in high-pressure situations. What is even worse is that making mistakes can, unfortunately, result in claim rejection.

File Your Motor Insurance Claim

Filing a motor insurance claim requires careful attention to detail and following the correct steps. While small mistakes may only lead to some back-and-forth with the insurer and delay the process, major errors, like missing key documents or timelines, can result in outright claim rejection. Worse, some mistakes cannot be corrected later, leaving you without the financial support your policy was meant to provide.

Step 1: Call Emergency Services

If you have been in an accident, the first thing that you must do is call for emergency services. Especially if someone is badly hurt in the accident, you must call for an ambulance without any delay. You must also contact the police in case of an accident.

Step 2: File a First Information Report (FIR)

Once all injured people have received the required medical attention, it is time to officially file the first information report (FIR) with the police. Even if it feels a bit intimidating, never ignore filing an FIR. Filing an FIR of an accident is mandatory, both legally and as per insurance company requirements. When you file the FIR, also obtain a copy, as you will need to submit the same with your insurance claim.

Step 3: Document the Accident

Documenting the accident and collecting as much evidence as possible is crucial in an accident insurance claim. Because these documents will help you build a case in your favour, the accident was not a result of your carelessness. It will also help you prove that you followed all the policy terms and conditions and, therefore, are eligible for a fair and square claim.

Step 4: Inform the Insurance Company about the Accident

With everything crucial out of the way, it will be time to inform your insurance company about the claim. Intimation should be done promptly, without any unnecessary delays. In most cases, the intimation is not the same as filing a claim. At this point, you are just informing your insurance company and keeping them posted. The final claim is filed later within the pre-defined time limit.

Step 5: Understand Your Motor Insurance Coverage

After informing your insurance company about the accident, understand your motor insurance, the terms and conditions mentioned in it, and consequently your rights and obligations under the policy. Access their online portal for information, or contact an agent if you feel overwhelmed.

Step 6: Insurance Company Survey and Assessment

When you inform the insurance company about the damage done to your vehicle, the insurance company will also conduct a survey and assessment. They do so to ensure that you have not filed a fraudulent claim. All the claims that you have made are legitimate and true. So, once you receive the survey from the company, complete it promptly and correctly.

Step 7: File a Claim with the Insurance Company

Once you have all your ducks in a row, only one thing remains to be done. You have to file for the claim. You can do so both online and offline. While both modes are reliable, filing a claim online can be hassle-free. It is easy to navigate claim filing online, as most platforms have AI-generated prompts to guide you. You must fill out the form, attach the documents and hit send.

FAQs

• Can I file a motor insurance claim without an FIR?

In most cases involving theft or third-party damage, an FIR is mandatory for claim approval by the insurer.

• What happens if I delay informing the insurer about an accident?

Delaying intimation may lead to claim rejection, as insurers often have strict timelines for reporting incidents.

• Does a cashless garage affect my motor claim process?

Yes, using a network cashless garage simplifies repairs, as the insurer directly settles costs with the garage, reducing out-of-pocket expenses.

• Can I claim insurance for minor damages like scratches or dents?

Yes, but it might not be advisable if the repair cost is lower than your deductible or affects your no-claim bonus.

• Can I file a claim if someone else was driving my car?

Yes, as long as the driver holds a valid license and your policy doesn’t exclude other drivers, the claim remains valid.