You must notify the insurance company about an accident in order to make a reimbursement claim.
Depending on your insurer, you may be asked to submit documents such as a duly filled claim form and garage estimates. An FIR is required if a death occurs or another party is involved.
After the submission of the documents, the insurer will send a surveyor to the garage to inspect the vehicle.
As soon as the garage receives the surveyor's approval, repair work shall bagin.
You must pay the entire repair cost of a vehicle to the garage.
To get the reimbursement, you need to submit repair estimates, bills, and other documents to the insurance company for validation.
Documents required for the reimbursement are:
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Duly filled and signed claim form.
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Copy of an insurance policy.
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Tax payment receipt.
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An estimation of the vehicle repair cost from the garage. Ensure that it is signed and stamped by the garage.
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Original repair invoice and payment receipt - signed and stamped by the garage. Note - Cashless claim requires only a repair invoice.
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claims discharge cum satisfaction voucher signed across a revenue stamp.
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Vehicle inspection address details - if you have not taken the vehicle to the nearest garage.
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Your driving licence - a verified photocopy to the surveyor along with the original.
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Registration certificate - a verified photocopy to the surveyor along with the original.
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Pan Card.
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Aadhaar Card.
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Pollution Under Control Certificate - a photocopy.
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Cancelled Cheque/Passbook.
Upon verification of your documents, the insurance company will initiate the reimbursement process and pay you the claim amount.