- If there is a third party claim
If you have harmed a third party or damaged someone’s property, the claim process would be as follows:
- Inform the insurance company immediately after a claim
- File an FIR with the local police authority
- The claim would be handled by the motor accidents tribunal
- The tribunal would rule the liability that you have incurred for the damages caused
- The liability would then be paid by the insurance company and the claim would be settled
- If your own car is damaged
If your car itself suffers damages, it is called own damage claim. In that case, the steps are as follows
- Inform the insurance company immediately. When you do so the company would mention the nearest tied-up garages where you should take your car. If the car is taken to a non-preferred garage, the claim is settled on reimbursement. You are required to bear the charges and the charges are then reimbursed by the insurer.
- Once the car is in a preferred garage, the insurer’s surveyor would visit and assess the damages and prepare a report
- The insurance company approves the claim based on the surveyor’s report
- The repairs are then done on the car
- Once the repairs are complete, the insurance company settles the garage bill. You have to pay any excess cost to take delivery of the car.
- If the car is stolen
In case you lose your car to theft, the following steps would have to be taken
- Inform the insurance company immediately
- Inform the police and file an FIR
- The police would try to trace your car and if they are unsuccessful, they would issue a non-traceable certificate
- Present this certificate and the insurance company would settle your claim.
Another alternative for getting your car insurance claim settlements is through Turtlemint. Turtlemint offers you easy assistance in getting your claim settled at the earliest possible time. All you have to do is inform Turtlemint at their toll-free number 1800 266 0101 or at their email id claims@turtlemint.com. Once Turtlemint’s claim team is notified of the claim they would take the necessary steps to get your claim settled and you would be spared the hassles.
