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What is Car Insurance Claim Settlement?

A car insurance claim settlement provides financial assistance if your car is damaged in an accident or if your car causes damage to a third party. IndusInd General Insurance offers a well-structured support system to help customers initiate a car insurance claim. Our dedicated customer service team is also committed to addressing queries and guiding customers through the process efficiently.

A car insurance claim settlement refers to a process wherein we financially compensate you for the damages or losses incurred to your car due to insured events, such as accidents, natural disasters, or man-made calamities. It is the final step of the car insurance claim process that starts with claim intimation, followed by document submission, claim verification, and finally, approval. Based on the type of car insurance claim you have chosen, the settlement will be directly made to the garage or reimbursed to you later.

The benefit can be used to reduce your financial burden or refrain you from breaking your hard-earned savings.

At IndusInd General Insurance, we extend a smooth and hassle-free claim settlement process to ensure you have a quick and convenient auto insurance claim experience.

IndusInd General Car Insurance Claim Process

Step 1: Claim Intimation

Intimate us about the insurance claim process for your car by contacting us at our paid helpline number - +91 22 48903009 or logging into our IndusInd Self-i App within 24 hours of the incident. With our IndusInd Self-i App, you can have live video calls and track claim status anytime.

Step 2: Take your Car to a Garage

For cashless claims, take your car to any of our network garages.

For reimbursement claims, you can choose any of your preferred garages. However, ensure that it is an authorised garage.

Step 3: Prepare for the Survey of your Car

We will respond within 48 hours and send a surveyor to examine the damage incurred to your car.

Step 4: Submit the Required Documents

Provide all the necessary details about the car insurance claim and submit the supporting documents to the surveyor.

Step 5: Liability Confirmation and Claim Settlement

We will review your claim documents to verify the liability and move forward with the car insurance claim procedure. If the claim is approved, we will directly settle the applicable repair expenses with the garage for cashless claims.

For reimbursement claims, you must pay the repair expenses upfront and submit the bills and payment receipts to us. We will review the expenses and, once verified, reimburse you for the applicable payments.

Documents Required for Car Insurance Claims

The documents required to file a car insurance claim can vary depending on your particular incident. Therefore, it is always important to clarify the requirements with us during claim intimation. Some of the common and other specific documents required to claim insurance for the car are as follows:

Common Documents Required for All Car Insurance Claims

Claim form

Car insurance policy

Car registration certificate with original keys

Tax receipt

Copy of driving licence

Proof of identity and address

Specific Documents Required for Accidental Damages

First Information Report (FIR)

Repair estimates

Repair bills and payment receipts

Specific Documents Required for Theft Cases

First Information Report and Final Investigation Report

Non-Traceable Report from the Police

Acknowledged copy of a letter addressed to the RTO

Claim Discharge Voucher signed across a Revenue Stamp

Specific Documents Required for Personal Accident Cover

Medical Reports

Hospital Bills

Specific Documents Required for Accidental Death

First Information Report (FIR)

Death Certificate

Post Mortem Report

Specific Documents Required On Admission of Liability

Letter of Subrogation

Forms 28, 29 and 40 duly filled and signed.

Consent to the agreed claim settlement amount from both you and the Financier

Form 35 duly signed by the Financier

NOC from the Financier if the claim is settled in the favour of the insurance provider

The Claim Discharge Voucher signed across a Revenue Stamp

Cashless vs. Reimbursement Claims - Key Differences

Understanding the difference between cashless and reimbursement claims is important for making informed decisions and taking the appropriate steps.

Factors to Consider	Cashless Car Claims	Reimbursement Car Claims
Payment	We pay for the repair expenses directly to the garage.	You pay for the expenses upfront, and we can reimburse you later.
Choice of Garage	Opt for any of our network garages across India.	Opt for any garage of your preference.
Out-of-Pocket Expenses	Only to the extent of applicable deductibles; no other out-of-pocket expenses at the time of repair and vehicle delivery.	A complete initial payment is required.
Documentation	Minimal documentation, as most of it is handled by the network garage.	Detailed documentation with proof of payment is required.
Claim Process	Direct, streamlined and convenient.	Involves slightly more steps and detailed documentation.

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Steps to Take After a Car Accident

The following steps can expedite the road accident insurance claim process and ensure legal protection.

Take first aid and call emergency services to ensure everyone’s safety. Make arrangements to move yourself and your fellow passengers to the hospital.

Inform the Police and file the First Information Report (FIR). Take copies of the FIR and secure them for all further proceedings.

Take sufficient photographs and videos of the accident scene and vehicle damages. Seek reports from eyewitnesses if possible.

Intimate us about the incident and file the car accident insurance claim with us. It will help us start with the necessary next steps to proceed faster with the settlement.

Role of the Surveyor in the Claim Process

A car insurance surveyor plays a significant role in the claim process. Some of their important responsibilities include:

Visit the location and conduct the spot survey.
Thoroughly record and investigate accidental damages or theft.
Adhere to the set procedures, rules and regulations.
Maintain absolute confidentiality.
Declare and report all conflicts of interest.
Address customer queries regarding the car insurance claim.
Remain impartial throughout the process.

How to Claim Car Insurance under Different Situations?

Claiming Insurance for Car Damages

Step 1: Inform us regarding your car damage and file the claim with us.

Step 2: Take your car to a network garage for cashless claims and any of your preferred authorised garages for reimbursement claims.

Step 3: Provide the necessary details and supporting documents.

Step 4: We will investigate and settle your claim or reimburse you for the expenses.

Insurance Claim for Stolen Car

Step 1: Inform the Police and lodge an FIR at the local Police Station.

Step 2: Notify us regarding the incident and file the claim with us.

Step 3: If the Police are unable to locate your car, they will issue a non-traceable certificate. Inform the RTO about the case.

Step 4: Provide this certificate, the acknowledgement copy of the letter addressed to RTO and all the necessary details with the supporting documents.

Step 5: We will investigate and process the car theft insurance claim.

Car Accident Insurance Claim

Step 1: Take first aid, call emergency services, and ensure safety by moving yourself and the others who travelled with you to a hospital in case of a major accident.

Step 2: Inform the Police and file the First Information Report.

Step 3: Notify us regarding your car accident and file the claim with us.

Step 4: Take photos and videos to document the accident scene carefully. Prepare for the surveyor’s investigation from this stage.

Step 5: Take your car to a network garage for cashless claims and any of your preferred garages for reimbursement claims.

Step 6: Provide the necessary details and supporting documents.

Step 7: We will investigate and settle your claim or reimburse you for the expenses.

Claim Car Insurance for Accidental Death

Step 1: Inform the Police and file the First Information Report.

Step 2: Let the nominee inform us regarding the car accident and register the claim with us.

Step 3: They need to gather all the necessary documents, including the death certificate, post-mortem report and FIR.

Step 4: Provide the necessary details and supporting documents.

Step 5: We will investigate and settle the claim upon verification. Personal Accident Cover in car insurance offers financial compensation of up to ₹15 lakhs for accidental injuries and death.

Common Reasons for Car Insurance Claim Rejections

Incorrect Information and False Claims

Providing incorrect information or misrepresenting the facts in the auto insurance claim.
Initiating a false claim for an event that did not actually occur.

Legal Issues

Driving without a valid driving licence
Driving under the influence of alcohol or drugs.

Issues Related to Car Insurance Policy Coverage

Claims registered for damages excluded or that do not satisfy the car insurance policy terms and conditions.
Claims registered on a car insurance policy that is expired.

Other Issues

Delay in intimation of the insured event

Note: Damages caused due to carelessness or negligence can lead to your car insurance being refused.

Tips to Avoid Car Insurance Claim Being Refused

Always provide accurate information when registering a car insurance claim.
Ensure to read the car insurance policy terms and conditions thoroughly before purchasing it.
Ensure timely claim intimation.
Ensure that all the documents gathered about the damages to claim insurance for the car are secure.
When you claim car insurance, disclose any modifications that you have made to your car.
Follow road safety regulations and abide by traffic laws at all times.

How to Appeal a Rejected Car Insurance Claim?

If your claim insurance for a car is rejected or you are not satisfied with the claim amount, you can always approach our Grievance Cell to get your queries addressed and resolved.

You can always visit any of our nearest branch offices or contact the Grievance Redressal Officer (GRO).

Website Link - /insurance/about-us/grievance-redressal.aspx
Email ID of GRO - grievances@indusind.com
Contact Number - 18003009

How to Track Your Car Insurance Claim Online?

If you have registered a car insurance claim, you can check its status using the following steps:

Step

Visit our Claims Process

Step

At the top corner of the right-hand side, enter the policy number or claim number in the search field.

Step

Click on ‘Show My Claim Status & Upload Pending Documents’.

Step

View the current status of your claim.

How to Handle Third-Party Car Insurance Claims?

If you have caused the Third-Party Damages

Step 1: Notify us regarding the third-party auto insurance claim within 24 hours.

Step 2: Provide all the necessary details and submit the supporting documents to us. It includes proof of evidence of the accident, including photos, videos, and Police reports.

Step 3: We will investigate the damages, consult with involved persons, evaluate the claim and determine the appropriate compensation amount based on the third-party insurance coverage.

Step 4: If the compensation amount is agreed between you and the third party, the issue is resolved. In case of disagreements, the claim may proceed further to litigation, where a court will make the final decision.

If you are the victim of claiming third-party insurance

Step 1: Visit the nearest Police Station and file the First Information Report (FIR) for the accident.

Step 2: Collect the third-party motor insurance details of the vehicle owner who caused damages to your car. Approach them for compensation.

Step 3: If you are not satisfied, file for compensation at the Motor Accident Claims Tribunal. Ensure to register the claim in the tribunal court at your location or where the accident was incurred.

Step 4: The decision on the final compensation claiming third-party insurance will be determined. The car owner will settle this amount and resolve the issue.

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Disclaimer:*T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.>The total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued. The premium mentioned for car Insurance excludes taxes for the private car model Maruti Suzuki Alto 800 with a cubic capacity of less than 1000 cc for a 1-year Own Damage Insurance policy for an IDV of ₹2,34,728. The premium used is 2,853/year as of 1 March 2023 and then converted into a per-month basis, which gives us ₹238/month (2,853/12).The discount varies basis vehicle specifications, No Claim Bonus discount and Geographical location of the vehicle to be insured. Discounts have been calculated on the basis of the rates prescribed under erstwhile Indian Motor Tariff. Discounts are applicable only to the Own Damage section and discounts may vary as per the vehicle make, model, RTO, age of the vehicle and addition of add-ons like InduInd Limit Sure-Pay As You Drive.