Learn what documents you need to claim car insurance.
Having a car insurance policy helps in times of distress in case your car is involved in an accident. In exchange for the premium you pay for insuring your car, you can claim the policy benefits by filing a car insurance claim. Whether your car is damaged or you have caused damage to a third person or property, filing a claim can help you get compensation. The mandatory third party insurance helps you get coverage against the damages you cause to a third person or property, the comprehensive cover offers coverage for your car as well as a third party. In any case, you can file a claim by following the below steps and the documentation process.
Documents to submit in case of a car insurance claim for theft
With a comprehensive car insurance policy, a theft claim can be filed by submitting the below list of documents
- Original copy of the registration certificate
- Original copy of the policy report
- FIR copy
- Original keys of the car
- Original invoice of the car
- No trace report confirming that the car is not traceable
- In case the car is purchased on hypothecation, NOC from the financer has to be submitted
- Intimation letter to the RTO stating the theft of the vehicle
- Copy of the registration certificate with the stolen remark given by the RTO with which the vehicle is registered
- Age and address proof related documents
- Original registration certificate
- Letter of subrogation
Documents required in case of third party car claim
Third-party insurance is mandatory as per the law. This type of insurance provides coverage against death, injury or disability caused to a third party. It also covers damages caused to third party cars or property.
- Claim form
- Copy of registration certificate
- Driving license copy
- Filed FIR copy
- Consent letter of claim settlement value agreed on by you and the financer
- Company registered original documents
Documents required in case of accidental damages
Comprehensive car insurance provides coverage in case of damages caused due to an accident.
- Duly filled and signed claim form
- Original copy of the registration certificate
- Original driving license of the individual driving the vehicle at the time of the accident
- FIR copy
- Estimated bills
- Original repair invoice in case of cashless claims
- Payment receipt in case of non-cashless claims
- In case of the total loss of the vehicle, original NOC and form 35 have to be submitted
- Age and address proof documents such as PAN card, Aadhar Card, Passport, utility bills, etc.
- In case of filing a claim for a commercial vehicle, documents such as load challan, fitness certificate, route permit and spot survey have to be submitted.
Car insurance is a great way to protect your car and yourself against any financial expenses. The document requirements may vary from insurer to insurer. It is best to check on the policy coverage before claiming to avoid rejection. Keep the above documents handy to enjoy a hassle-free claims process.
Also Read: Everything that you need to know about total loss car insurance claim
