Documents Required for the Car Insurance Claim Process

Essential Documents to Raise a Car Insurance Claim

The purpose of purchasing car insurance is to raise claims and seek benefits as and when required. During the process of a car insurance claim, an important step is document submission.

So, before you start raising a claim, ensure these documents are handy to avoid unnecessary hustle:

The Claim Form

The very first document required is the claim form. You can easily get a claim form either at the office of your insurer or through their official website. Once you have filled it, make sure to keep it safe to be presented at the time of claim filing. It contains details regarding the reason for the claim, which may be an accident, theft, etc.

Documents of the Car Insurance Policy

At the time of purchasing the policy, your insurer provides you with detailed policy documents. It contains all the details of the policy, like the coverage and other benefits. So, this may also be required by the insurer to cross-check the coverage of the policy.

Driving Licence

In order to raise a car insurance claim, it is essential that the driver has a valid driving licence. If the insured car was being driven without a valid licence or on a learner's licence, the claim may be rejected. That's because it is against the norms of the Motor Vehicle Act of 1988. So, the driving licence of the driver is also important.

Car’s RC (Registration Certificate)

A registration certificate, or RC, of a car is an important document for your car. You get it at the time of purchasing the car. So, to ensure that the insured vehicle and the vehicle under the claim are the same vehicle, it is important to present the registration certificate (RC) of the car.

FIR Copy

In some claims, the insurer may ask for a copy of the FIR (First Investigation Report) for the accident or theft. If you have been involved in a major accident or your car has been stolen, it may be important to report it to the police, collect a copy of the FIR and submit it to your insurance company. It also adds a layer of authenticity to your car insurance claim.

Estimates of Repairs

At an authorised service centre, you will receive a repair estimate. It states the lump-sum cost of repairing the damage to the vehicle. This estimate has to be submitted to the insurance company for further procedures.

Reports of Medical Tests

In case you want to raise a personal accident claim under your car insurance policy, you may also have to present medical test reports. These reports confirm the type and severity of the injury or damage. Based on this, your insurer may be able to compensate for the medical treatment.

Photos and Videos

In case your vehicle has been involved in an accident and sustained damage, try to capture videos and pictures. If your car has a dash camera, it can be easier to present accident-proof videos or pictures. Apart from this, you must also click pictures and take videos of your car post-accident.

Original Bills and Receipts

In some cases, especially in reimbursement claims, your insurer will demand original receipts and bills for the repair services. Once your vehicle is out of the service centre, submit the bills and receipts for claim settlement to receive the admissible funds.

How to Raise a Car Insurance Claim?

Understanding the documents that you may need to file a car insurance claim is necessary. It is also important to be aware of your insurance company's claim process. Usually, there are two ways to raise a claim: online and offline.

If you are willing to raise a claim online, you can do so through the official website of your insurer. Fill out the form and submit it along with the necessary documents. In the offline method, you will have to visit the nearby office of your insurer.

Apart from these, you may also raise your car insurance claim via Jio Insurance Broking. We assist you in filing the right claim to receive the maximum admissible costs.

Conclusion

Accidents or mishaps may be unpredictable, but you can definitely be prepared to respond to it. By keeping all the documents handy and organised, it becomes easier to raise a car insurance claim without any stress and hassle. The best idea is to keep digital and physical copies of all the essential car insurance documents. It helps you stay informed in just a few clicks on your mobile phone.

Be prepared today so that your tomorrow is hassle-free. At Jio Insurance Broking, we encourage our customers to be claim-ready so they can always access quality services. You may compare and purchase the most suitable car insurance at Jio Insurance Broking. Connect with us to learn more about your car insurance!