Navigating Motor Insurance Claims in Ahmadabad: What Steps Should You Take After an Accident?

Intimation
Call the customer service center of the insurer or their representative. Provide them with details such as the policy number, vehicle number, date, time, and description of the accident, nature of loss, and nature of personal injury, if any. Make a note of the claim registration number for future reference.

Documents
Submit the duly signed claim form along with copies of the registration certificate of the vehicle, driving license, policy document (first two pages), FIR, and any additional documents if required.

Inspection
The insurance surveyor will inspect the damage at the garage/workshop within one working day and give approval after assessing the damage and costs of repair.

Cashless Settlement
After the repair, the vehicle will be handed over to the insured upon confirmation that it has been repaired.

Reimbursement
The insured must submit the original repair invoice and payment receipt to the insurer. The amount approved as per the surveyor's report will be reimbursed within seven working days.

Points to Note
- The insured must lodge an FIR in case of major damage, third-party property damage, third-party injury, or damage due to riot, strike, and malicious acts.
- The surveyor will inform the garage about the approved claim amount and deductions due to depreciation, etc. The excess amount payable, if any, will have to be borne by the insured.

When claiming your motor insurance after an accident in Ahmadabad, India, follow these steps:

Intimation:
Contact the insurer's customer service center with details like policy number, vehicle number, accident specifics, and personal injury information. Keep a record of the claim registration number provided.

Documents:
Submit a signed claim form along with essential documents such as vehicle registration, driver's license, policy papers, FIR, and any other requested paperwork.

Inspection:
An insurance surveyor will assess the damage at the garage within one working day, approving repair costs after evaluation.

Cashless Settlement:
Once repairs are completed, the vehicle will be returned to you upon confirmation of the completion.

Reimbursement:
To claim reimbursement, provide the insurer with the original repair invoice and payment receipt. The approved amount will be reimbursed within seven working days.

Points to Note:
- In cases of significant damage or third-party involvement, file an FIR promptly.
- The surveyor will communicate the approved claim amount to the garage, including any deductions for depreciation. Any excess costs are the responsibility of the insured.