Vehicle Insurance: Claim process

A claim is the moment of truth for any policy. Knowing the process in advance makes it far less stressful.

1. Ensure safety first. Move to a safe place, call emergency services if anyone is injured and switch off the engine.
2. Click photos and gather details. Photos of damage, location, and details of other vehicles and witnesses.
3. Inform the insurer. Use the insurer’s helpline or app to register the claim as soon as possible.
4. File an FIR where needed. Mandatory for theft, third-party injury or death, and major accidents.
5. Survey and repair. A surveyor assesses the damage. For cashless, the garage handles formalities with the insurer.
6. Settle and collect. Pay deductibles and non-covered items, then collect the repaired vehicle.