Car Insurance Claim Process

To buy car insurance online, you can head onto the TATA AIG insurance website, where you can compare car insurance policies & choose the best one to suit your need. We offer 3 types of Car Insurance policies - Third Party Car Insurance, Own Damage Car Insurance & Comprehensive Car Insurance. Once you have purchased a car insurance policy, you can receive the abundant benefits our policies have to offer.

And when your policy nears expiry, TATA AIG car insurance renewal will help you renew your policy soon so that you do not miss out on the benefits.

How to Claim Car Insurance?

You can quickly file a claim by going through these steps:

Step 1: File a claim: You can either call us on 1800-266-7780 to file a claim or visit our Claims Support page and fill in the necessary information. After receiving your claim request, we will send you a link for self-inspection to your registered mobile number.

Step 2: Inspection: With the help of the self-inspection form, fill in details about the damages to your car on your smartphone or tablet. Apart from this, your vehicle will also be inspected by one of our surveyors.

Step 3: Mode of repair: You can choose between receiving reimbursement for the damage repairs or making a cashless claim through our network of garages.

Step 4: Documents needed: Some common documents needed for claim settlement are completed claim form, FIR (in certain cases), policy documents, identity proofs, address proofs, etc. Keep them handy before filing the claim.

Step 5: Track your status: You can track the acceptance and transaction process online after you complete filing the claim.

Step 6: Claim settlement: We will examine the claim to see if it meets the guidelines as given in the policy. Once approved, we will settle your claim.

Indian vehicle insurance is a legal mandate but lets you enjoy the benefits of cashless claims provided by your insurance company. With this service, you do not have to cover any charges with the network garage. We, at Tata AIG, will directly settle the bills with the network garage.

To make a cashless claim, you only need to register your claim on our website, submit the required documents and take your car for the required repairs at the network garage. Once the surveyor confirms the damage and determines your liability, your claim gets processed and approved. Following this, we directly contact the network garage and pay off the dues, which get subtracted from your sum insured.

Contrary to cashless claims, in a reimbursement claim, as the insured, you pay for the repairs and other damages. Depending upon the policy terms and conditions, you can then file for a reimbursement claim. In this type of claim, you do not have to mandatorily get your car repaired at a registered network garage. You only need to provide copies of the bills and other charges to receive the claim amount.

To avail of reimbursement under online car insurance policies, you need to register your claim by getting in touch with us. Once you receive your claim registration number, you can take the damaged vehicle to any garage of your choice. Following this, you can submit the bills and prepare the other documentation for your surveyor to check and confirm your liability. If your claim is verified and processed, your reimbursement is initiated.

Several documents are required to ensure your claim gets processed and approved successfully. Arranging these documents as early as possible is crucial for a smoother process.

Here is a list of documents required for car insurance claims:

• Claim form signed by the insurer
• First Information Report (FIR) in case of an accident
• No Trace Report from the police and Letter to the RTO if your vehicle is stolen
• Legal Notice of the concerned party in case of third-party liabilities
• Personal details - address and identification proof
• Hospital bills in case of personal accident claim
• Repair bills from the garage (in case of reimbursement claims)
• Registration details of the vehicle, including a copy of the RC with its original keys
• Copy of the driving license
• Copy of the original policy
• Hospital bills for personal accident claims
• The original estimate, invoice and payment receipt for the repairs done at the network garage

The surveyor plays an important role in car insurance claims and their approval. Here are some of their responsibilities:

• To thoroughly investigate, manage, validate and record the damage and losses arising from the accident or theft. They must stick to the rules and regulations as much as possible.
• In the event of car loss, the surveyor must remain neutral and impartial. They must maintain absolute confidentiality.
• They must personally perform spot surveys and determine whether the case falls under excess insurance or under-insurance.
• Surveyors must determine and declare all conflicts of interest.
• They must resolve all the queries of the insurer and the insured with regards to the claim.
• They must also comment on the depreciation, its applicability, quantum and percentage.
• They must give advice to the insurer about the minimisation of loss for safety and security and also find ways to control the loss wherever possible.