ALL >> Insurance >> View Article
Motor Insurance Claim For Your Vehicle - A Simple Process
Total Articles: 141
To make a motor insurance claim for vehicles if there is an accident is easy. It is a simple two to three step process to ensure you peace of mind in your hour of need. The first step is to call a customer service centre to register your claim and get a registration number for future reference. Information such as your contact number, policy number, vehicle number, time and date of accident, nature of damage incurred, if there is an injury are recorded.
All motor insurances companies have tie ups with garage networks which offer you cashless facility for servicing your vehicle. A surveyor would be appointed to check the vehicle at the garage and give approval for the repair. The vehicle would be handed back to you post your satisfaction on the repair done. If you choose to repair your vehicle at one of the garages in the network of the motor insurance company, the claim is settled directly at the garage. You might have to just pay for the damage that is not covered under the insurance or which is not related to the accident.
Alternately, you can repair the car at any garage you want to and get back the amount spent as reimbursement. This reimbursement can be obtained only once the repairs are done and your have submitted your bills to the motor insurance company’s claims department.
The motor insurance claim process is smooth and has been kept easy for the convenience of the customer. Your motor insurance policy would cover claims if there is damage to your vehicle due to a natural calamity like fire, flood, earthquake or cyclone. Accidents, riots, strikes or terrorist activities are also covered by a motor insurance claim. Insurance for damage during transit by road, rail, air or inland waterways are provided by the insurance claim process. The next circumstances are of ‘voluntary excess’ or ‘deductible’. It is a definite sum of money an insured, which, is you, choose to bear if there is an accident and the rest is insured under the policy.
Motor insurance companies also compensate for injury or death of the driver or owner of a car which is insured, damages caused to a third party during an accident, third party property damaged, etc. Motor insurance policy excludes common damage to the car, mechanical or electrical breakdown, damage incurred outside the country or damage caused at the time of driving under the influence of alcohol. Your claim would not be welcome if the accidental damage to the car and property has happened due to any of the exclusions mentioned by the motor insurance company.
It is very essential to have a car insurance policy. Author Pranav Sharma is an experienced insurance professional and widely read expert on general insurance based in Mumbai. Pranav helps readers opt for best car insurance policy in India.
Insurance Articles1. Home Insurance Shopping: What To Look For
Author: Pranavi Jain
2. 5 Things Drivers Can Do To Stop A Car From Overheating
3. What To Know About Ncb
Author: Bhargav Baweja
4. Steps To Follow After A Car Accident
5. How The Car Insurance Calculator Calculates Your Premium
Author: Bhargav Baweja
6. Permanent Protection For Temporary Living Identifying The Three Elements Of Effective Coverage
7. Do I Need To Compare Bike Insurance To Only Cut My Cost?
Author: Dinesh Mittal
8. Types Of Auto Insurance Discount Programs
9. Satisfy Your Dream Of Owning A Home With The Home Loan
Author: Bank Bazaar Loan
10. Public Insurance Adjusters And Few Factors To Consider Before Hiring Them
11. Clarifying Coverage - Why Insurance Is Essential For Modern Living
12. Select One Of The Best Auto Insurance Companies In California
13. Unique Ways To Save On Auto Insurance A No-nonsense Guide To Save Money Without Sacrificing Coverage
14. Health Insurance Company
Author: Kent Pinkerton
15. Compare Health Insurance Online & Plan For The Emergency Room
Author: Muhammad Waqar Asghar