Car Insurance Claims! Here’s What Every Driver Must Know After an Accident

First Things First: Safety Over Everything

Before you think about paperwork and policies, check yourself and your passengers for injuries. If there’s any medical emergency, dial for help immediately. Once everyone is safe, move your vehicle (if possible) to a safe location to avoid further damage or road blockage. Now, take a deep breath. Let’s get started with the car insurance claim process.

Step 1: Notify Your Insurance Provider Immediately

Whether it’s a major collision or a minor scratch, timely intimation is key. Inform your insurance company about the accident at the earliest. Most insurers—including those listed on Jio Insurance Broking—offer a 24x7 helpline or app-based notifications. Quick intimation ensures a smoother claim process and faster assistance.

Pro Tip: Keep your policy number and vehicle details handy when you make the call.

Step 2: Document the Damage (Click Before You Tow!)

Photos can make or break your claim. So, whip out your phone and click clear pictures of:

● The damaged areas of your car

● The accident scene (including road signs, skid marks, debris)

● The other vehicle (if involved)

● License plates of all vehicles involved

Also, note down:

● The date, time, and exact location of the accident

● Names and contact numbers of witnesses (if any)

These details help your insurance provider assess the situation better, making your car insurance claim stronger and faster.

Step 3: File an FIR if Required

In case of serious damage, injury, theft, or third-party involvement, filing a First Information Report (FIR) with the police is mandatory. Insurance companies often require a copy of the FIR for claims involving bodily injury, fatality, or criminal activity.

At Jio Insurance Broking, we advise customers to err on the side of caution—when in doubt, file an FIR.

Step 4: Keep Your Documents Ready

To initiate a claim, keep the following documents in one folder:

● Car Insurance Policy Document

● RC (Registration Certificate) of the car

● Driving License

● FIR (if applicable)

● A copy of the PAN Card (for claims above ₹1 lakh)

● Duly filled Claim Form (provided by your insurer)

Some insurers also ask for a self-declaration form or repair estimate from the garage.

Need help organizing documents? Jio Insurance Broking provides document assistance and claim tracking via our expert service team.

Step 5: Choose Between Cashless or Reimbursement

Most car insurance policies today offer two types of claim settlement:

Cashless Claim:

If your car is repaired at a network garage, the insurer settles the bill directly with the garage. You only pay the deductibles (if any).

Reimbursement Claim:

You pay the repair bill upfront and submit all bills and receipts to the insurer for reimbursement.

Jio Insurance Broking has tie-ups with leading insurers and their network garages to ensure a hassle-free cashless claim experience.

Step 6: Inspection by the Surveyor

Once your claim is registered, the insurer assigns a surveyor to inspect your vehicle. The surveyor assesses the damage and verifies the documents. Based on the survey report, the claim amount is approved.

Make sure your vehicle isn’t repaired before the survey is complete—doing so can delay or even nullify your claim.

Hot Tip: With Jio Insurance Broking, you can get real-time updates on surveyor appointments and claim status via SMS or WhatsApp.

Step 7: Get Your Car Repaired

Post-inspection, you can get your car repaired either at a network garage (for cashless) or at your preferred garage (for reimbursement). Always keep copies of invoices, repair estimates, and payment receipts.

Once the repair is done and the surveyor gives a green signal, the insurer either settles the bill directly or processes your reimbursement.

Common Reasons Car Insurance Claims Get Rejected

At Jio Insurance Broking, we ensure our customers understand not just how to claim car insurance, but also how to avoid claim rejections. Here's what to watch out for:

• Driving without a valid license or insurance

• Intoxicated driving

• Delay in reporting the accident

• Modifications not disclosed to the insurer

• Using personal vehicles for commercial purposes

Knowing these pitfalls can help you stay on the safer side of your policy.

Why Choose Jio Insurance Broking?

When chaos hits, you need a calm navigator. That’s where Jio Insurance Broking comes in. Here’s what makes us different:

• Expert claim support for zero confusion

• Guidance at every step from claim intimation to settlement

• Tie-ups with top insurers like Bajaj Allianz, ICICI Lombard, and HDFC ERGO

• A massive network of cashless garages

• Real-time updates on claim status and progress

Our goal? To simplify insurance and make your car insurance claim process smooth, transparent, and stress-free.

Filing a car insurance claim after an accident may feel daunting—but with the right steps and support, it doesn’t have to be. Always stay calm, document everything, and inform your insurer on time. And remember, with Jio Insurance Broking by your side, you're never alone on the road to recovery.

Need help with your existing policy or want expert advice? Reach out to our team today and let us help you get back on track—fast and fuss-free.

Still wondering what to do post-accident?

Visit www.jioinsure.in or call our 24x7 helpline now. Because when it comes to your car, only the best protection will do.