Learn step-by-step car insurance claim process in India. Check documents required, claim types, and settlement guide for hassle-free approval.
Introduction
Aaj ke time me car insurance lena compulsory hai, lekin accident ya damage hone ke baad sabse bada sawal hota hai – car insurance claim process kaise hota hai? Agar aapko claim settlement ka proper knowledge hai, toh aap apni car ke repair ya replacement ka expense easily cover kar sakte hain.
Is blog me hum detail me samjhenge car insurance claim procedure, documents, aur step-by-step process.
Types of Car Insurance Claims
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Cashless Claim – Network garage me repair hoga aur bill directly insurance company settle karegi.
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Reimbursement Claim – Aap pehle khud bill pay karte hain aur baad me insurer se paisa wapas lete hain.
Step-by-Step Car Insurance Claim Procedure
1. Inform the Insurance Company
Accident ya damage hone ke turant baad insurance company ko inform kare. Ye aap app, website ya customer care ke through kar sakte hain.
2. FIR Register (if required)
Agar major accident ya third-party damage hua hai, toh nearest police station me FIR lodge karna zaroori hai.
3. Submit Claim Form & Documents
Insurance company ke claim form fill karke required documents submit kare.
4. Surveyor Inspection
Insurance company ek surveyor appoint karti hai jo car damage inspect karta hai aur repair estimate banata hai.
5. Repair Process
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Cashless Claim: Network garage me car repair hogi, bill directly insurer pay karega.
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Reimbursement Claim: Aap garage me khud pay karte ho, aur bills submit karke paisa wapas lete ho.
6. Claim Settlement
All documents verification ke baad insurance company claim approve karke settlement process complete karti hai.
Documents Required for Car Insurance Claim Process
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Policy copy (car insurance certificate)
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Driving License
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RC (Registration Certificate)
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FIR copy (if applicable)
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Repair bills & payment receipts
Common Reasons for Claim Rejection
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Expired insurance policy
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Drunk driving at the time of accident
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Driving without valid license
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Fraudulent or false claims
FAQs
Q1. Car insurance claim process kaise hota hai?
Ans: Aapko insurer ko inform karna hota hai, claim form + documents submit karne hote hain, surveyor inspection ke baad claim settle hota hai.
Q2. Cashless aur reimbursement car insurance claim me kya difference hai?
Ans: Cashless claim me insurer directly garage ko pay karta hai, jabki reimbursement me aap pehle pay karte ho aur baad me paisa wapas milta hai.
Q3. Car insurance claim karne ke liye kaunse documents chahiye?
Ans: Insurance policy, RC, Driving License, FIR (agar zaroori ho), aur repair bills chahiye hote hain.
Q4. Kya minor scratches ke liye bhi car insurance claim kar sakte hain?
Ans: Haan, lekin chhoti damages ke liye claim karna advisable nahi hai kyunki No Claim Bonus (NCB) lose ho sakta hai.
Q5. Car insurance claim reject hone ke main reasons kya hote hain?
Ans: Expired policy, invalid license, drunk driving, ya false claim ki wajah se claim reject ho sakta hai.
Conclusion
Car insurance claim procedure simple hai agar aap sahi steps follow karein. Accident hone ke turant baad insurer ko inform karein, documents ready rakhein aur network garage prefer karein. Isse aapka car insurance claim process fast aur hassle-free hoga.
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