Car Insurance Claim: At present, many parts of the country are in the grip of floods, and this is directly affecting people’s vehicles. Getting stuck or submerged in water can damage the engine, electrical system, and other important parts of the car or bike. If your vehicle is also affected by this, then there is no need to panic. You can easily compensate for your loss by making an insurance claim. Let us know its complete process in simple language.
First, evaluate the damage
First of all, give priority to the safety of yourself and your family. On the other hand, if your vehicle is stuck in water, do not try to start it immediately – this can cause even more serious damage to the engine. First, take the vehicle to a safe and dry place and check whether the water has reached the engine or electrical parts.
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Inform the insurance company as soon as possible
To start the insurance claim process, it is important to inform your insurance company within 24 to 48 hours. At the same time, you can inform the company through the helpline number, website, or mobile app. While giving information, you must give the information of the insurance policy number, vehicle details, date of damage, and reason.
Keep these important documents ready
For the claim, you will have to submit some documents:
Copy of insurance policy
Registration certificate (RC) of the vehicle
Driving license
Photos or a video of the damage
Copy of FIR in some cases
Estimated bill of repair (from garage)
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The surveyor will inspect the vehicle
Let us tell you that the insurance company will appoint a surveyor to investigate your claim. The surveyor will inspect the condition of your vehicle, and the amount of the claim will be decided based on this report. In such a situation, keep in mind that the surveyor’s investigation must be completed before starting the repair; otherwise, there may be a problem in the claim.
How will the claim settlement and repair be done?
If your policy provides the facility of a cashless claim, then the vehicle can be repaired without paying any money by taking it to the insurance company’s panel garage. If your policy is not cashless, then you will have to pay for the repairs first and later apply for reimbursement.