28-08-2017 04:27 PM
A claim under a motor insurance policy could be -
• For damage to your own/insured vehicle. This is called an Own Damage claim & you are eligible for this if you are holding a package or a comprehensive policy or
• For personal injury or property damage related to someone else. This person is called a third party in this context.
Own Damage Claim
In the event of an own damage claim, that is, where your own vehicle is damaged due to an accident, you must immediately inform your insurance company to enable them to depute a surveyor to assess the loss and the local police(if necessary).
Do not attempt to move the vehicle from the accident spot without the permission of the police and the insurance company.
If your policy provides for cashless service, which means you do not have to pay out of your pocket for covered damages, the insurance company will pay the workshop directly.
In either of the situations, you must intimate the insurance company immediately.
Along with the claim form, a document check list will be available, which will ease your claim procedures. Use the checklists to identify the relevant documents needed for different claim procedures. It can also be downloaded from your Insurance company's website.
Usually the below documents would be asked by the insurance company :
Duly filled claim form (the claim form is sometimes provided along with the policy papers).
FIR if lodged or as the case may be Repair Estimate
Third Party Claim
In a third party claim, where your vehicle is involved, it is important to ensure that the accident is reported immediately to the police as well as to the insurance company.
On the other hand, if you are a victim, that is, if somebody else’s vehicle was involved, you must obtain the insurance details of that vehicle and make an intimation to the insurer of that vehicle.