If your car is involved in an unexpected accident, this is how to file an insurance claim:
The first step is to notify your insurance carrier as soon as possible via their 24-hour hotline or email. To file a claim with your insurer, you’ll need to take your damaged car to a repair shop and get an estimate of the costs associated with fixing it.
A surveyor from an insurance company, like Bajaj motor insurance, will inspect the property and report any damages found. The surveyor will write a report and submit it to the insurance company. Once the surveyor completes their report, your vehicle will be delivered to a network facility for service.
After the repairs are finished, you must hand the surveyor the signed repair invoice, payment receipt, and any other necessary paperwork so they may submit it to the insurance company. Your vehicle will be fixed at a garage in the insurance company’s network at no cost if you file a cashless claim. The network garage will then get payment from the insurance company via cashless claim settlement.
Claim for Reimbursement: If you need to file a claim for reimbursement, you should first pay the repair shop directly. If your claim is approved, you will get a reimbursement in your account for the cost of repairs. Remember that you must submit your expenses to the insurance provider, like Bajaj Allianz motor insurance, right after you get your car back to be reimbursed. You can only put off submitting the change until the end of the year. *
Third-Party Claims Procedure for Automobile Insurance *
When filing a claim for third-party insurance on a vehicle, the procedure differs slightly from the standard procedure. Here is how to file a claim against a third party:
- Only respond to legal notification from a third party seeking a claim after contacting your insurance carrier.
- Only agree to pay something or settle out of court if you’ve contacted your insurer first.
Send your insurer a copy of the notification
You’ll also need to provide photocopies of your driver’s licence, FIR, and car’s RC book.
If the insurance is satisfied after reviewing the paperwork and investigating the accident, they will select a lawyer on your behalf. If the court orders you to compensate the third party, the insurance company will provide the payment straight to the victim.
How to File a Claim for a Stolen Car With Your Insurance Company
According to Bajaj motor insurance, here’s how to report a stolen vehicle:
- Make an FIR with the police after filing a complaint.
- Send an insurance company a copy of the FIR.
- Make a copy of the completed police report and send it to your insurance company once you have received it.
- An insurance company investigator will be appointed for further inquiry into the claim. Help the police out by being cooperative.
- One must wait for the claim to be processed and authorised.
- Send the vehicle’s registration certificate to the insurance company once your claim has been processed. The insurer will subsequently become the legal owner of the property.
Remember to include a subrogation letter and a set of the car’s duplicate keys in your submission. Your submission to the insurer should also include a notarised indemnification on stamp paper. The insurance company will pay the claim once all the paperwork is in order. A claim can be paid up to the car’s Insured Declared Value (IDV). *
Knowing these procedures will make filing a claim much easier, whether you need it for a minor accident or because your automobile was stolen. Make sure to never run out on your insurance, renew your insurance by searching for words like Bajaj Allianz motor insurance renewal and stay protected always.
* Standard T&C Apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.
Subscribe to Bajaj Allianz General Insurance YouTube Channel here!