Processing The Claim
You can both choose to go to the workshops that will feature in the insurance industry’s list of network garages and also file for a cashless declare, or bear the expenditures yourself and claim any reimbursement later.
Cashless Claims
To avail of the center, you need to call up the insurance industry’s call centre immediately after the particular incident necessitating the declare takes place. ICICI Lombard gives addresses of the nearest cashless service centres through TEXT MESSAGE on request over the phone. "The call centre will show you to the nearest workshop. After the surveyor carries out the assessment and authorises the declare, it is settled directly with all the workshop/garage on a cashless schedule, " says Karan Chopra, head, retail business, HDFC Ergo General Insurance.
Repayment
In case you carry out the fixes at your own expense and also file for a reimbursement declare subsequently, you need to provide the inspector with the requisite proofs just like repair bills from the car port. In case of reimbursement claims, the particular disbursal process could take around seven days, post the submitting of documents asked for.
Trying to Keep Track
Several insurance companies furthermore allow policyholders to track their particular claims real time - both by visiting the company's portals or perhaps via SMS alerts. "The policyholders should save the particular claim intimation number and offer our call centre with the mobile number to enable traffic monitoring, " informs Vijay Kumar, head, motor insurance, Bajaj Allianz General Insurance, that offers the facility to track promises through SMSs.
Dos and Donts
Getting your car covered by insurance is not enough. You need to strongly study the policy file to understand what is covered and also the exclusions, to avoid nasty shocks after filing the declare. "Water-logging is a common problem through the monsoons. If your car reduces in a flooded area, you mustn't try to start the car, since water entering into the powerplant could cause further damage. These kinds of consequential damage is typically certainly not covered under a car insurance coverage, " points out Mr Chopra. Also, it is imperative to stay in driving licence and a replicate of your policy document inside your car at all times, as it can be very useful while making claims.
Before processing a claim, assess the degree of damage caused to your automobile. If you feel it will result in minimal outgo, you need to take a turn to whether the claim needs to be registered. Every claim-free year entitles you to a no-claim benefit, which may not be worth shedding for a small claim. This specific apart, if you are switching insurance providers, it is advisable to provide the correct details regarding claims filed. Insurance providers have started sharing info among themselves and you could possibly be caught on the wrong ft . if you decide to keep the new insurance company in the dark about claims registered.
You can both choose to go to the workshops that will feature in the insurance industry’s list of network garages and also file for a cashless declare, or bear the expenditures yourself and claim any reimbursement later.
Cashless Claims
To avail of the center, you need to call up the insurance industry’s call centre immediately after the particular incident necessitating the declare takes place. ICICI Lombard gives addresses of the nearest cashless service centres through TEXT MESSAGE on request over the phone. "The call centre will show you to the nearest workshop. After the surveyor carries out the assessment and authorises the declare, it is settled directly with all the workshop/garage on a cashless schedule, " says Karan Chopra, head, retail business, HDFC Ergo General Insurance.
Repayment
In case you carry out the fixes at your own expense and also file for a reimbursement declare subsequently, you need to provide the inspector with the requisite proofs just like repair bills from the car port. In case of reimbursement claims, the particular disbursal process could take around seven days, post the submitting of documents asked for.
Trying to Keep Track
Several insurance companies furthermore allow policyholders to track their particular claims real time - both by visiting the company's portals or perhaps via SMS alerts. "The policyholders should save the particular claim intimation number and offer our call centre with the mobile number to enable traffic monitoring, " informs Vijay Kumar, head, motor insurance, Bajaj Allianz General Insurance, that offers the facility to track promises through SMSs.
Dos and Donts
Getting your car covered by insurance is not enough. You need to strongly study the policy file to understand what is covered and also the exclusions, to avoid nasty shocks after filing the declare. "Water-logging is a common problem through the monsoons. If your car reduces in a flooded area, you mustn't try to start the car, since water entering into the powerplant could cause further damage. These kinds of consequential damage is typically certainly not covered under a car insurance coverage, " points out Mr Chopra. Also, it is imperative to stay in driving licence and a replicate of your policy document inside your car at all times, as it can be very useful while making claims.
Before processing a claim, assess the degree of damage caused to your automobile. If you feel it will result in minimal outgo, you need to take a turn to whether the claim needs to be registered. Every claim-free year entitles you to a no-claim benefit, which may not be worth shedding for a small claim. This specific apart, if you are switching insurance providers, it is advisable to provide the correct details regarding claims filed. Insurance providers have started sharing info among themselves and you could possibly be caught on the wrong ft . if you decide to keep the new insurance company in the dark about claims registered.
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