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A List Of Documents Required For A Car Insurance Claim

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cope with. It is not just about your car which is an asset for you, but also your overall well-being too. It is not in your best interest to buy the cheapest available four wheeler insurance as there may be many aspects which may not be covered under it.

It is quite evident that since you have purchased car insurance who are eager to know more about how to file a vehicle insurance claim. While the actual process comes later, you must initially concentrate on the list of required documents that you need in order to file the claim.

General List of Documents Required for a Car Insurance Claim

Check out this general list of must-have insurance documents that can help you kick-start your claim filing process.

  • The basic requirement, undoubtedly, is to have a copy of your car insurance policy
  • Have the claim form duly filled out and signed
  • Include the First Information Report (FIR) filed with the police
  • It is also mandatory to have all relevant details with regards to the insured vehicle such as Copy of the registration certificate of your car
  • You need to have the name of the insured individual and other relevant information like a copy of your driving licence and details on the vehicle insured minus which the policy is invalid
  • You need to have the registration contact numbers
  • Have all the information of the vehicle against which the purchased four wheeler insurance which should also include the model configurations of the car
  • All information relevant to the accident that should also specify the date and location along with a brief description of how the incident took place
  • A statement that needs to mention the extent of loss incurred
  • Include a fair but detailed assessment of repairs including information such as garage location and number
  • Medical receipts in case of physical injuries
  • Original records of other expenses incurred

 

Filing a claim for car insurance is not really rocket science. However, having all the necessary documents in place is the key to a successful claim. While we have the general list of documents in place, there are specific document requirements for specific circumstances.

In Case of Accidental Damage

Here is a handy list of documents that you should have in case you are filing a claim for accidental damage:

  • Car insurance policy paper or a copy of the cover note
  • Driving License of the person behind the wheels
  • RC or registration certificate of the insured vehicle
  • A valid claim intimation form
  • Proof of identification - Aadhar card and PAN card details of the insured person
  • Estimate of repair to be provided if asked

Some insurance companies have chosen to take the paperless route. In such situations, you can appraise them of the circumstances of the accident over a call. This is adequate to start the claim process.

 The list of documents given are mandatory at the point of filing a claim against your car insurance. In case you wish to get your car serviced or repaired at a non-cashless service centre or garage, you may be required to provide additional documents. These include:

  • Proper invoice of repair
  • Receipt of payment
  • A valid cancelled cheque

The premium that you pay towards your car insurance can be variable depending on the features that you choose add to the policy. However, note that it is compulsory to have third-party vehicle insurance. Having a comprehensive car insurance is, however, optional.

In Case of Theft

The basic interest of purchasing a comprehensive car insurance is not just to protect the vehicle from accidents but also safeguard against loss incurred due to theft. In such circumstances, all the documents listed under accidental damage will have to be filed when raising the claim. In addition to that, you will also need to file the following:

  • A police FIR copy
  • Vehicle Non-Traceable report
  • The vehicle’s sale invoice in some rare situations

The list of documents required are:

  • Form 28, 29 and 30 that must be signed by the insured
  • Form 35 to be signed by the Financer, depending on what the case may be, on admission of liability of insurers
  • A letter of subrogation
  • A consent for the agreed claim settlement value from you and the Financer
  • A NOC of the Financer if claim is to be settled in insured's favour
  • A claim Discharge Voucher signed across a Revenue Stamp

If you have been in a car accident, do not shy away from requesting a claim against your vehicle insurance. Getting the documents ready is not at all a complicated procedure. Use the assistance of your insurance provider, if need be.

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