How to File a Motor Insurance Claim: Step-by-Step 2025 Guide
Master the motor insurance claims process in India. Learn the essential steps to file quickly, understand cashless vs reimbursement claims, required documents, surveyor procedures, and expert tips to avoid delays or rejections.
A smooth motor insurance claim starts with the right first steps. This complete guide covers cashless claims, reimbursement procedures, required documents, surveyor approval, and proven strategies to avoid delays, deductions, or rejections. Let's make claiming hassle-free!
Pro Tips for Faster Claim Approval
Notify Within 24 Hours
Call your insurer's toll-free number immediately. Delayed notification can lead to claim rejection or penalties.
Document Everything
Capture photos of damage from multiple angles, chassis number, odometer, and accident location. Keep all receipts and invoices.
Never Start Repairs Early
Wait for surveyor inspection before any repairs. Unauthorized repairs can lead to partial or complete claim rejection.
Choose Network Garages
Use cashless repair at network garages to avoid large out-of-pocket payments. It speeds up approvals significantly.
Keep All Papers Safe
Original invoices, receipts, and payment proofs are critical for reimbursement claims. Organize them in a folder.
Invest in Add-Ons
Zero-depreciation and engine protection covers significantly reduce your out-of-pocket expenses during claims.
6-Step Motor Insurance Claims Process Checklist
- Ensure safety first: Move to a safe spot and check for injuries.
- Inform your insurer: Call the toll-free number within 24 hours.
- File FIR if needed: Theft, third-party injury, or major damage typically needs an FIR.
- Document everything: Photos of damage, surroundings, number plates, and odometer.
- Get surveyor approval: Don't start repairs until the surveyor inspects.
- Choose cashless wisely: Prefer network garages to avoid large reimbursements.
Cashless Claims vs Reimbursement Claims: Which Should You Choose?
Understanding the difference between these two motor insurance claim settlement methods helps you make smarter decisions during emergencies:
Cashless
- Pay only deductibles; insurer settles with garage.
- Faster approvals at network garages.
- Ideal for most own-damage claims.
Reimbursement
- You pay upfront, submit bills later.
- Needed if non-network garage or urgent repairs.
- Keep original invoices and payment proofs.
Need help filing your claim?
Our motor claims desk will arrange pickup, surveyor coordination, and cashless approval at the best garage nearby.