How to File Motor Insurance Claim

One of the important aspects that policyholders must keep in mind is filing the motor insurance claim. Often, policyholders take it for granted that any claim raised by them will be cleared, but that is not the case.

In the event of an accident, the policyholder should first call the insurance company and inform them about the incident. Note that the location that the accident took place does not matter as long as the insurer is in the country.

However, in the event where the vehicle has been stolen, then the insurance company must be informed once an FIR has been lodged. Following this, the insurance company will take care of the rest of the process.

To ensure that the policyholder’s claim gets resolved at the earliest, the following aspects need to be taken into consideration:

  • Details required to file a claim.

  • Details of the accident, if applicable, and supporting documents.

Details Required when Filling a Claim

Always ensure that all the details required to file a claim are easily accessible by the policyholder, and fill in the application form carefully. Note that any missing details or inaccurate details might lead to the claim getting rejected because the insurance company doesn’t have all the required details to process the claim.

As a result, the insurer will get back to the policyholder for the required details, and reprocessing all the details will take more time. However, this can be avoided if all the details of the policyholder and the policy are furnished at the time of filing the claim include:

  • Policy number of vehicle insurance.

  • Name of the policyholder or insured person.

  • Name of the person driving the motor vehicle.

  • Policyholder’s contact number.

Apart from these details, the insurance company will require the policyholder to furnish the following details related to the accident:

  • Date and time of the accident.

  • Location of loss.

  • Vehicle number.

  • Model and make of vehicle.

  • Brief description of the accident.

  • Ensure that all these details are accurate to the best of one’s knowledge.

Details of Accident and Supporting Documents

If an accident takes place, then the policyholder needs to make a note of the following details:

  • Note the license plate number of the other vehicle involved.

  • Note down contact details and names of witnesses.

  • Call toll free number of the insurance company and note down claim number or claim reference number.

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