In the event that your automobile is involved in an accident, having a car insurance claim comes in handy. You may receive policy benefits in return for the premium you pay for vehicle insurance by making a car insurance claim. Whether your automobile has been damaged or you have caused harm to another person or property, making a claim may assist you in receiving compensation. The necessary third party insurance provides compensation for damages you cause to a third person or property, whilst the comprehensive cover provides coverage for both your automobile and a third party. In any event, you may register a claim by following the procedures and paperwork process outlined below.
Documents to submit in case of a car insurance claim for theft
A theft claim may be submitted with a comprehensive automobile insurance coverage by providing the documentation listed below.
- The original registration certificate
- The policy report’s original copy
- Copy of the FIR
- The car’s original keys
- The car’s original invoice
- No trace report stating that the vehicle cannot be traced
- If the vehicle is acquired on hypothecation, a NOC from the financer must be obtained.
- Letter informing the RTO of the theft of the vehicle
- A copy of the registration certificate with the stolen comment provided by the RTO where the car is registered.
- Documents required in case of accidental damages
- Authentic registration certificate
- Subrogation letter
Documents required in case of third party car claim
Third-party insurance is required by law. This sort of insurance protects you against the death, injury, or incapacity of a third party. It also covers damage to third-party vehicles or property.
- Form of Claim
- a duplicate of the registration certificate
- duplicate of a driver’s licence
- FIR copy filed
- Consent letter for the agreed-upon claim settlement amount between you and the financier
- Original papers registered by the company
Documents required in case of accidental damages
Comprehensive automobile insurance protects you in the event of an accident-related loss.
- Completed and signed claim form
- The original registration certificate
- The person operating the car at the time of the accident’s original driver’s licence
- Copy of the FIR
- Bills estimated
- In the event of cashless claims, the original repair invoice is required.
- In the event of non-cashless claims, payment receipt
- In the event that the vehicle is totaled, the original NOC and form 35 must be presented.
- Documents proving age and residence, such as a PAN card, Aadhar card, passport, utility bills, and so on.
- Documents such as a load challan, fitness certificate, route permit, and spot survey must be supplied when submitting a claim for a commercial vehicle.
Car insurance is an excellent strategy to safeguard both your vehicle and yourself from financial losses. The paperwork requirements may differ from one insurance to the next. To prevent rejection, it is important to double-check the policy coverage before filing a claim. Keep the following paperwork on available to ensure a smooth claims procedure.
