Car insurance claim process in India step by step after an accident

Car Insurance Claim Process in India – Step-by-Step Guide (2026)

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Car Insurance Claim Process in India 2026: Filing a car insurance claim in India can feel confusing, especially after an accident or theft. Many car owners delay or make mistakes during the claim process, which often leads to rejection or reduced settlement. This step-by-step guide explains the car insurance claim process in India in simple language so you can file your claim correctly and get maximum benefits.

Whether you have third-party insurance or comprehensive car insurance, understanding the claim procedure can save time, money, and stress.

Types of Car Insurance Claims in India

Before starting the claim process, it’s important to know which type of claim applies to your situation.

1. Cashless Claim

  • Repairs done at insurer’s network garage

  • Insurance company pays the garage directly

  • You only pay deductibles and non-covered costs

2. Reimbursement Claim

  • Repairs done at non-network garage

  • You pay the full amount first

  • Insurer reimburses approved amount later

Step-by-Step Car Insurance Claim Process in India

Step 1: Ensure Safety First

After an accident:

  • Park your car safely

  • Turn on hazard lights

  • Check for injuries

  • Call emergency services if needed

Never leave the accident spot without securing safety unless unavoidable.

Step 2: Inform Your Insurance Company Immediately

Most insurers require intimation within 24 hours.

You can inform them via:

Provide:

  • Policy number

  • Date, time, and location of incident

  • Brief description of damage

⚠️ Delay in intimation can weaken your claim.

Step 3: Register FIR (When Mandatory)

An FIR is required in cases of:

  • Theft

  • Major accidents

  • Third-party injury or death

  • Fire or natural calamities

For minor scratches or dents, FIR is usually not needed.

Step 4: Claim Registration & Reference Number

Once you inform the insurer:

This number is important for tracking your claim status.

Step 5: Vehicle Inspection by Surveyor

The insurance company appoints a surveyor to inspect the car.

Surveyor checks:

  • Extent of damage

  • Accident authenticity

  • Repair estimate

Do not repair the vehicle before inspection unless allowed by the insurer.

Step 6: Submit Required Documents

Common documents required for car insurance claim in India:

  • Insurance policy copy

  • RC copy

  • Driving license copy

  • FIR copy (if applicable)

  • Claim form

  • Repair estimate

  • Photos of damaged vehicle

Incomplete documents = delayed settlement.

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Step 7: Repair Approval & Vehicle Repair

After survey approval:

  • For cashless claims → car sent to network garage

  • For reimbursement → repair at your chosen garage

Repairs usually take 3–10 days, depending on damage severity.

Step 8: Claim Settlement

  • Cashless claim: Insurer settles directly with garage

  • Reimbursement claim: Amount credited to your bank account

Settlement timeline:

  • Cashless: 5–7 working days

  • Reimbursement: 7–14 working days

Car Insurance Claim Process for Theft (Special Case)

If your car is stolen:

  1. File FIR immediately

  2. Inform insurer within 24 hours

  3. Submit non-traceable certificate from police

  4. Hand over RC, keys, and policy documents

Theft claims usually take 30–60 days to settle.

Common Reasons Why Car Insurance Claims Get Rejected

Avoid these mistakes:

  • Driving without valid license

  • Drunk driving

  • Delay in claim intimation

  • Policy expired

  • Misrepresentation of facts

  • Unauthorized repairs

Honesty and timely action are critical.

How to Maximize Car Insurance Claim Amount

  • Choose cashless garage whenever possible

  • Avoid unnecessary add-ons at garage

  • Keep zero depreciation add-on active

  • Maintain service records

  • Renew policy on time

A little awareness can save thousands.

FAQs: Car Insurance Claim Process in India

Q1. How long does a car insurance claim take in India?

Most claims are settled within 7–14 working days, depending on documentation and claim type.

Q2. Can I claim insurance without FIR?

Yes, for minor damages. FIR is mandatory only for theft, major accidents, or third-party cases.

Q3. What is deductible in car insurance?

Deductible is the amount you pay from your pocket during claim settlement. It includes:

  • Compulsory deductible

  • Voluntary deductible (if chosen)

Q4. Will my No Claim Bonus be affected?

Yes, unless you have a NCB protection add-on, your bonus resets after a claim.

Q5. Can insurance claim be rejected after approval?

Rare but possible if fraud or false information is detected later.

Final Thoughts

Understanding the car insurance claim process in India empowers you to act confidently during stressful situations. With the right steps, documents, and timing, claiming insurance becomes smooth and hassle-free. Save this guide, share it, and drive with peace of mind.

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