Why Vehicle Insurance is important in our life?

1. Notify the Insurer

• As soon as the accident or damage occurs, immediately inform your insurance provider through their helpline or app.
• Provide details such as the time, location, and nature of the accident or damage.

2. File an FIR (if required)

• For major accidents, theft, or cases involving third parties, file a First Information Report (FIR) with the local police.
• This step is critical for claim processing in such scenarios.

3. Fill Out the Claim Form

• Obtain a claim form from your insurer or download it from their website.
• Fill in the required details, including personal information and accident specifics, and attach supporting documents like the FIR (if needed).

4. Submit Documents

• Submit the following essential documents to the insurance company:
  • Completed claim form.
  • Copy of the FIR (if applicable).
  • Driver’s license.
  • Vehicle registration certificate.
  • Insurance policy copy.
  • Government proofs

5. Survey and Inspection

• The insurance company will assign a surveyor to inspect the vehicle’s damage.
• The surveyor assesses the extent of the damage and estimates the repair cost.
• Once the inspection is complete, you’ll receive an approval for the repairs.

6. Repair the Vehicle

• Based on the surveyor’s report, take your vehicle to an authorized garage for repairs.
• If your policy allows cashless claims, the insurer will directly settle the repair costs with the garage.

7. Claim Settlement

• If the cashless option is not available, pay for the repairs yourself, collect the original bills, and submit them to your insurer for reimbursement.
• The insurance company will review all documents and either reimburse the repair costs or pay the garage directly.

8. Final Payment

• Once all documentation and the repair work is verified, the insurance company will process the claim.
• You will receive the payment either directly or through the authorized garage, concluding the claim process.