Buying car insurance these days is easy and quick. Once you’ve paid for the premium, you’re likely expecting your claims to be approved during the policy period. However, sometimes claims get rejected due to simple oversights. Read on to discover how to ensure your car insurance claim gets approved.


Raising a claim is a process of requesting your insurer to compensate for the damage cost of the insured vehicle incurred due to an unfortunate event such as accident, theft, explosion, or any natural calamities. Insurance companies will verify the documents and initiate the claim settlement process as per your car insurance policy. 

6 Ways to Ensure That Your Car Insurance Claim is Approved

Car insurance claims can be settled successfully if you follow the insurance policy guidelines. Here are some tips to make your car insurance claim settlement procedure successful and smoother:

1. Determine the Claim Type

If your car meets with an accident with a third-party, then either you can opt for the other party’s insurance coverage, or you can raise a claim under your insurance policy. You could raise a claim under third-party’s car insurance policy if the accident was not your fault. In this way, you can save your NCB to get a discount on your car insurance renewal premium. If you are responsible for the accident, then undoubtedly you have to raise a claim under your car insurance policy.

2. Inform Your Insurer 

The foremost thing is to inform your insurer when the insured vehicle meets with an accident. Your claim may get rejected if you fail to notify your insurer within a specified time of the car-related mishap. Every single forgotten detail can hamper your claim settlement procedure. So it is advisable to inform your insurer about the mishap as soon as possible.

3. File an FIR

As soon as your insured car meets an accident involving a third-party, it is mandatory to file a police complaint at the nearest police station. An FIR copy needs to be submitted to the insurance company for raising a claim.

4. Gathering of Relevant Information

For a successful claim, you have to make a record of how, when and where the mishap happened. Apart from that, you need to mention the details of the damage, and the injuries caused to the driver and passengers. Having a supporting document or proof will ease the claiming process.

5. No-Trace Certificate from Police

In case of theft or vandalism, you may need to get a No-Trace Certificate along with an FIR copy. This certificate is issued by the police authorities to state that the car is stolen and can not be traced. No-Trace Certificate is a significant document in claim settlement for theft.

6. Raising the Claim

The last step includes raising a claim about the compensation for the insured car. Once you gather the required documents to submit, you can raise a claim for the compensation. The documents include the registration certificate of your car, FIR copy, copy of your insurance policy, your driving license, No-trace certificate (if the car is stolen), and repair bills and receipts, etc. Once the documents get verified by your insurer, your claim will be settled accordingly.

Types of Claims 

There are two types of car insurance claim settlement options:

1. Cashless Claim

In car insurance cashless claim settlement type, your insurance company will allow you to get your vehicle repaired in a network garage that has a tie-up with your insurance company. However, you must pay for the deductible, which is decided at the time of your premium and IDV calculation. The repair cost will be directly paid to the network garage by your insurer.

2. Reimbursement Claim

Through the reimbursement claim, you can repair your insured vehicle in your preferred garage by paying the repair bill, which you can be compensated later by your insurance company. After verifying all the documents, the insurer will approve or reject the claim accordingly.

Conclusion

If you follow the above-mentioned point,  your online car insurance claim will be settled successfully. Some people opt for an offline claim settlement, which can be a cumbersome and time-consuming process. However, opting for online car insurance enables a hassle-free experience of the claim settlement procedure. To know more about car insurance online