How To Claim For Car Dent With Your Car Insurance Policy?
This article explains in full how to file an insurance claim for a car dent and what is covered in car insurance.
Insurance claim procedure for vehicle dents
The insurance claim procedure for four-wheelers is straightforward and simple to understand. For your comprehension, the following details are provided:
1. File a car dent insurance claim: The first thing you should do once your car gets a dent is notify your insurance company and file a claim. To reap the greatest benefits, it must be done as soon as possible.
By submitting the required information and attaching the appropriate documents, you can also lodge a claim online. For instance, if it was a serious accident, you must supply the FIR copy, the insurance policy number, and the driver’s licence information. Whether there was an injury to a third party or damage to their property should also be mentioned. You can submit the claim for further processing of the car insurance online policy after providing the necessary information.
2. Get the claim registration number: If your information is correctly submitted, you will be given a claim intimation number. In any subsequent communications with the insurer regarding the handling and settlement of your car-dent insurance claim, you must include this claim registration number.
3. Insurer’s inspection: If the insurance claim for the four-wheeler is successfully registered and the reports supplied are accepted, a surveyor from the insurance company will visit the location and examine the dent. Make careful to wait until the inspection is over before touching the car or rearranging the parts. To advance with the claim, the surveyor will document the crucial information by capturing images and videos.
4. Garage appointment: The insurer will suggest you take your car to the garage after studying the surveyor’s report. You can select one of the listed garbages or a different shop with your car dent repair insurance.
Two forms of car dent insurance claims exist. You won’t be responsible for the cost of the repairs if you use the insurer’s network of garages. When your insurer covers the costs incurred, you can still access the cashless benefit.
5. Get the claim settled: Once the repair work has been completed, the insurer will settle the claim after verifying the documentation and carefully inspecting the dent repair. They may do this by paying the garage directly or by reimbursing for work done elsewhere.
Documents needed for the settlement of claims procedure
Here is the process of how to claim car insurance for a dent. We have observed that once successfully submitting the required documents, the claim registration is accepted. For your reference, the following list:
- First Information Report: In the event of an accident, having a copy of the FIR is crucial. If the FIR is not filed and given to the insurance, your claim may be denied.
- Information about the car: You must give the insurer the original keys and the registration certificate for the vehicle.
- Policy document: Make sure to offer the car insurance online policy document so that we can retrieve the information we need to move forward with the claim settlement.
- Claim form: You must properly complete and sign the claim form.
- Driver’s licence: A copy of your driver’s licence is required. A copy of your driver’s licence must be provided if you are the policyholder and you were the one driving the vehicle when the accident and dent occurred.
- Additional documents: RTO papers, the No Trace Report provided by the police in situations of theft, and the No Objection Certificate from the lender or bank in the case of a current loan.
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.
