Car insurance Claim
Met with an accident? LGIC is here to assist you.
A car Insurance Claim is a process of claiming your money from the insurer after the unfortunate events for which you have paid the premium.
Car Insurance claims will be applied when you’re an active member of that policy by paying the premium for that particular year.
After the mishap like accident and damage to the four-wheeler in any means or if you have caused the damage to the third party, a thorough check of the damaged vehicle has to be done, estimating it and approximating the expenses and then duly filled application form has to be sent to the car insurer to pay the expenses according to the premium coverage you have chosen for.
Two types of Car Insurance Claim
Car insurance Claim cashless
As the name itself says, this type of insurance is claimed cashless and to get this insurance claim approved here are the steps to be followed.
- Inform the company about the occurrence of the mishap
- File the FIR from the nearest Police Station and get a copy of it.
- Take photographs of the vehicle before repair.
- The surveyor from the company will be sent to check the status of the vehicle.
- Since the process is online, check your vehicle thoroughly and update it online through the car insurance claim form
- Submit the essential documents which are required to continue the process of claim.
- After this process of registration, a number will be provided for the further use
- The vehicle will be sent to the network garage and expenses will be transferred directly to the network garage
Note:
- If the policyholder has chosen to claim the cashless car insurance, it means that the car should be repaired at one of the network garages of the insurer.
- If you think the amount to make your vehicle ready costs more than the insurance premium you paid for, this surely applies to the claim.
- If you think the vehicle can be repaired with a small amount then do not waste the insurance money, pay it from your pocket.
