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
