How to Claim Auto Insurance Auto insurance is essential for every vehicle owner. But having insurance is only half the job — knowing how to file a claim properly is equally important. Whether it’s a minor accident or a major collision, understanding the claim process can save you time, money, and stress.
Ensure Safety First
Before doing anything else, make sure everyone involved in the accident is safe. If anyone is injured, call for medical help immediately. Once it’s safe to do so, move your vehicle to a secure location to avoid further damage or traffic blockage.
Inform the Police
If the accident involves injuries, major damage, or a third party, file a police report. The First Information Report (FIR) is often required when filing a claim, especially in cases involving third parties, theft, or significant damage.
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Notify Your Insurance Company
Contact your insurance company as soon as possible, preferably within 24 hours of the accident. Most insurers have a 24×7 toll-free number or mobile app to report accidents. Provide all the basic details like:
- Date and time of the accident
- Location
- Description of the incident
- Photos (if possible)
Document the Damage
Take clear pictures of your vehicle, the scene of the accident, and any visible damage. This serves as proof for the claim. Also, gather:
- Insurance policy number
- Driver’s license and vehicle registration
- Contact information of any witnesses
Submit the Required Documents
You will need to provide documents such as:
- Insurance policy copy
- FIR (if applicable)
- Claim form (available on the insurer’s website)
- Vehicle registration certificate
- Driving license
- Repair bills (in case of reimbursement)
Vehicle Inspection by the Surveyor
The insurance company will assign a surveyor to inspect the vehicle damage. They will assess the cost of repairs and verify the claim. Don’t start the repairs before the surveyor has checked the vehicle (unless instructed otherwise).
Repair and Claim Settlement
Depending on your policy type (cashless or reimbursement):
Cashless Claims: Take your vehicle to a network garage. The insurance company will settle the bill directly with the garage.
Reimbursement Claims: Pay the repair bill yourself and then submit the bill along with necessary documents to get reimbursed.
Claim Approval and Payment
Once everything is verified, your insurer will approve the claim. In case of reimbursement, the amount will be credited to your bank account after successful document verification.