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Motor Insurance Claims Hassle-Free Claims, Worry-Free Rides

The frequency of traffic collisions in India is highest in the world and so are the number of claims. As a vehicle  owner, dealing with the after effects of an accident can be an unpleasant task. In today’s fast-paced world, time is of the essence, and nobody wants to spend hours dealing with vehicle repairs. Making a claim is never easy! Whatever trouble you’re facing, we have a solution for it.

At Bimasure, we strive hard to give our policyholders a smooth motor insurance claim experience taking away the complications and stress that might come along the way. Our dedicated team provides complete assistance  and unconditional support at the time of claim.

Types of Motor Insurance Claim

Under motor insurance policies, there are two types of claims – third party liability claims or own damage claims. The insurance claim process for both these instances is different. Here’s what is the process under each instance involves.

Third-Party Insurance Claims

If the insured vehicle damages any third-party property or harms any third-party individual, the insurance provider will reimburse the person for the damage or loss incurred.

A Detailed Guide to Third-Party Insurance Claim Process

Here is a step-by-step procedure of how you can file third-party claims for motor insurance:

  1.  Inform your insurance provider about the collision as soon as possible.
  2.  File an FIR at any local police station.
  3.  Share a photocopy of your insurance policy with the third-party.
  4.  Your insurance provider will take care of the compensation on your behalf.
  5.  The claim is taken to the motor accidents tribunal. Once the tribunal passes a judgement, the insurance company pays the claim to the third party.

Own-damage insurance claims

Own damage insurance claim means when your vehicle itself suffers damage. due to any natural or man made cause,Own damage claims can, further, be subdivided into two types – damages suffered by the vehicle or theft of the vehicle. The insurance provider will reimburse the total loss or damage as per the nature of claim.

A Detailed Guide to Third-Party Insurance Claim Process

Here is a step-by-step procedure of how you can file third-party claims for motor insurance:

Motor Insurance Claims

The own-damage insurance claim process;

  • CASHLESS CLAIM

  • Motor Claims

    Cashless Claim

    In the event of an accident or damage to your vehicle, the cashless claim process is designed to alleviate financial stress. .The cashless claim facility keeps you worry free during an emergency as you can repair your vehicle at the network garages  which is empanelled with your  insurance company..The bills are settled directly between the garage and the insurance company. It reduces the stress of making direct cash payments to the garage. Here’s a more detailed breakdown of the steps involved:

    Cashless Claim Process

    number--small--1

    Inform the Insurer

     As soon as an incident occurs, promptly notify your insurance provider. Timely communication is crucial. 

    number--small--2

    Send in Your Vehicle for Repair

     Choose a garage from the insurer’s extensive network that offers cashless services. This ensures a seamless process.

    number--small--3

    Submit the Claim Form

     At the selected network garage, provide the necessary documents and submit the claim form. This includes details about the incident and your policy information.

    number--small--4

    Survey and Approval

     An appointed surveyor from the insurance company will assess the extent of the damage.The surveyor will prepare a report and pass it on to the insurer and you will also receive a copy. Upon approval, the repair work can commence.

    number--small--5

    Claim Settlement

     The beauty of the cashless process is that the insurer settles the repair bill directly with the garage. You are only responsible for paying the deductible or any non-covered expenses.  

  • REIMBURSEMENT CLAIM

  • Motor Claims

    Reimbursement Claim

    In case of reimbursement claims, the policyholder gets the vehicle repaired at any garage. Opting for reimbursement requires you to initially bear the repair expenses and later seek compensation from the insurance company. You can file for reimbursement of expenses by submitting the necessary documents such as original  bills, reports, and other supporting documents. 

    Remember: While leaving from the non network garage  make sure to ask for Original bills and receipts of the repair done. These documents are crucial when making a reimbursement claim.

    Reimbursement Claim Process

    number--small--1

    Inform the Insurer

     Notify the insurer about the incident. Early reporting is essential for a smooth reimbursement process.

    number--small--2

    Send in Your Vehicle for Repair

    In case of reimbursement claims, the policyholder gets the vehicle repaired at any garage. Choose a garage based on your preference and get the necessary repairs done. Ensure you keep all relevant documents.

    number--small--3

    Collect Invoices and Bills

     Keep a detailed record of all invoices, bills, and payment receipts related to the repairs. This documentation is crucial for reimbursement.

    number--small--4

    Submit Documents

     Submit the claim form along with all required documents to the insurer. This includes the surveyor’s report, repair invoices, and any other supporting paperwork.

    number--small--5

    Claim Settlement

     The insurance company’s surveyor will assess the damages, and upon approval, the reimbursement process will be initiated. If all the documents are in place, the insurance provider will reimburse your bills only which are covered in your policy. 

  • DOCUMENTATION

  • Documents Required for Motor Insurance Claim

    Smooth processing of life insurance claims necessitates proper documentation. Typically, required documents are as follow.

    Own Damage Claim

    Documents Required for Own Damage Claim and Third-Party Claim:

    • Duly filled claim form
    • Copy of the policy document
    • Vehicle registration certificate
    • Copy of the driving license
    • FIR copy in case of an accident
    • Detailed repair estimate and invoice from the garage, specifying the nature of repairs and cost breakdown

    Third-Party Claim

    Documents Required for Motor Insurance Third-Party Claim:

    • Duly filled claim form
    • Copy of the policy document
    • FIR copy
    • Copy of the driving license of the insured
    • Vehicle registration certificate of the insured
    • Any other relevant documents establishing the third-party claim

    Theft Claim

    Documents Required for Motor Insurance Theft Claim:

    • Duly filled claim form
    • Copy of the policy document
    • FIR copy
    • Copy of the driving license of the insured
    • Vehicle registration certificate of the insured
    • All the sets of keys/Service Booklet/Warranty Card
    • Police Panchanama/ FIR and Final Investigation Report
    • Acknowledged copy of letter addressed to RTO intimating theft and making vehicle "NON-USE"
    • NOC of the Financer if claim is to be settled in your favor
    • Letter of Subrogation
    • Original Sales invoice & Tax receipt
Motor Claims

Cashless Claim

In the event of an accident or damage to your vehicle, the cashless claim process is designed to alleviate financial stress. .The cashless claim facility keeps you worry free during an emergency as you can repair your vehicle at the network garages  which is empanelled with your  insurance company..The bills are settled directly between the garage and the insurance company. It reduces the stress of making direct cash payments to the garage. Here’s a more detailed breakdown of the steps involved:

Cashless Claim Process

number--small--1

Inform the Insurer

 As soon as an incident occurs, promptly notify your insurance provider. Timely communication is crucial. 

number--small--2

Send in Your Vehicle for Repair

 Choose a garage from the insurer’s extensive network that offers cashless services. This ensures a seamless process.

number--small--3

Submit the Claim Form

 At the selected network garage, provide the necessary documents and submit the claim form. This includes details about the incident and your policy information.

number--small--4

Survey and Approval

 An appointed surveyor from the insurance company will assess the extent of the damage.The surveyor will prepare a report and pass it on to the insurer and you will also receive a copy. Upon approval, the repair work can commence.

number--small--5

Claim Settlement

 The beauty of the cashless process is that the insurer settles the repair bill directly with the garage. You are only responsible for paying the deductible or any non-covered expenses.  

Motor Claims

Reimbursement Claim

In case of reimbursement claims, the policyholder gets the vehicle repaired at any garage. Opting for reimbursement requires you to initially bear the repair expenses and later seek compensation from the insurance company. You can file for reimbursement of expenses by submitting the necessary documents such as original  bills, reports, and other supporting documents. 

Remember: While leaving from the non network garage  make sure to ask for Original bills and receipts of the repair done. These documents are crucial when making a reimbursement claim.

Reimbursement Claim Process

number--small--1

Inform the Insurer

 Notify the insurer about the incident. Early reporting is essential for a smooth reimbursement process.

number--small--2

Send in Your Vehicle for Repair

In case of reimbursement claims, the policyholder gets the vehicle repaired at any garage. Choose a garage based on your preference and get the necessary repairs done. Ensure you keep all relevant documents.

number--small--3

Collect Invoices and Bills

 Keep a detailed record of all invoices, bills, and payment receipts related to the repairs. This documentation is crucial for reimbursement.

number--small--4

Submit Documents

 Submit the claim form along with all required documents to the insurer. This includes the surveyor’s report, repair invoices, and any other supporting paperwork.

number--small--5

Claim Settlement

 The insurance company’s surveyor will assess the damages, and upon approval, the reimbursement process will be initiated. If all the documents are in place, the insurance provider will reimburse your bills only which are covered in your policy. 

Documents Required for Motor Insurance Claim

Smooth processing of life insurance claims necessitates proper documentation. Typically, required documents are as follow.

Own Damage Claim

Documents Required for Own Damage Claim and Third-Party Claim:

  • Duly filled claim form
  • Copy of the policy document
  • Vehicle registration certificate
  • Copy of the driving license
  • FIR copy in case of an accident
  • Detailed repair estimate and invoice from the garage, specifying the nature of repairs and cost breakdown

Third-Party Claim

Documents Required for Motor Insurance Third-Party Claim:

  • Duly filled claim form
  • Copy of the policy document
  • FIR copy
  • Copy of the driving license of the insured
  • Vehicle registration certificate of the insured
  • Any other relevant documents establishing the third-party claim

Theft Claim

Documents Required for Motor Insurance Theft Claim:

  • Duly filled claim form
  • Copy of the policy document
  • FIR copy
  • Copy of the driving license of the insured
  • Vehicle registration certificate of the insured
  • All the sets of keys/Service Booklet/Warranty Card
  • Police Panchanama/ FIR and Final Investigation Report
  • Acknowledged copy of letter addressed to RTO intimating theft and making vehicle "NON-USE"
  • NOC of the Financer if claim is to be settled in your favor
  • Letter of Subrogation
  • Original Sales invoice & Tax receipt
cross-round

Reasons for Claim Rejection

Having a motor insurance is crucial for ensuring financial protection in case of any accidental emergencies. However, there are certain instances where the motor insurance company rejects the claim. As a policyholder, you would never like to face this situation of a claim getting rejected. The event of getting a claim after an accident is very stressful, and the claim getting rejected only adds further to the stress.Let's take a closer look at the reasons behind these rejections;

Regular Wear and Tear

Insurance claims are a strict no-no when it comes to regular wear and tear of the vehicle.

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Delay in filing the claim

If there is a delay in filing the claims, the insurers most likely reject these kinds of claims

Invalid Documentation

Incomplete or incorrect submission of required documents.

Policy Violation

Claims that violate the terms and conditions of the insurance policy.

Pre-Existing Damage

Claims for damages that existed before the policy period.

Intentional Damage

Claims arising from deliberate acts to obtain insurance benefits.

Unapproved Garage

Using a non-network garage without prior approval.

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Expired Policy

It is a common instance that owners forget to renew their insurance and claim during that period is rejected

Tips to Avoid Claim Rejection

Motor Insurance offers a vital protection to the policyholder, yet navigating the claim process and preventing claim rejection requires understanding and precautions to minimise the stress and ensure coverage, Here are some preventive measures to avoid claim rejection;

clockCreated with Sketch Beta.

Timely Reporting

Report incidents promptly to the insurer and respective authorities depending on the type of claim.

Regular Policy Review

Stay informed about the policy to prevent policy violation

Accurate Information

Provide correct and comprehensive information in the claim form.

Document Verification

Ensure all required documents are accurate, complete, and submitted in a timely manner.

Policy Compliance

Adhere strictly to the terms and conditions outlined in your insurance policy.

Use Approved Garages

Opt for network garages approved by the insurer to avoid complications during the claims process.

FAQ's

As the need for insurance increases, doubts and queries also increase. Navigating insurance complexities can be overwhelming. To help you with this, We have tried to address common doubts for a seamless journey with Bimasure;

The processing time varies but is typically within a specified period, ranging from a few days to a few weeks.

No, cashless claims are generally restricted to the insurer’s network of approved garages.

  •  

Inform your insurer immediately, provide all necessary details, and cooperate fully in the claims investigation process.

  •  

Yes, if your policy includes coverage for natural disasters, you can file a claim for damages caused by such events.

  •  

You can contact your insurance provider or utilize their online portal to check for updates on your claim status.

  •  

Cashless claim: In a cashless claim, the insurer  pays for your vehicle’s repair charges directly to the garage (provided the vehicle is repaired in our garage network). Non-cashless or reimbursement claim: If the vehicle is repaired in a garage outside the purview of a network garage , then policyholder shall pay the repair charges. You need to get an inspection done from the claims manager/surveyor, post which you can get the repairs done. You can get your admissible claim amount reimbursed by submitting the original bills and payment receipts to our office.

  •  

An FIR/police report is mandatory in case of a major accident, injury to 3rd party or occupants, malicious acts, theft or third party damage (if you damage someone else’s property with your vehicle).

  •  

It’s best to report the claim immediately, as soon as the accident or theft occurs. Contact us within 24 hours of the incident so that we can begin your bike or car insurance claim process.

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