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File Your Car Insurance Claims
Call Us:+91 22 48903009
Reliance Self-i App Download:Google PlayApp Store
Email Us:rgicl.services@relianceada.com
Reliance General Insurance offers a well-structured support system to help customers initiate a car insurance claim. Our dedicated customer service team is also committed to addressing queries and guiding customers through the process efficiently.
Here is a simple guide to take you through the process of claiming insurance for car damage.
A car insurance claim settlement refers to a process wherein we financially compensate you for the damages or losses incurred to your car due to insured events, such as accidents, natural disasters, or man-made calamities.
It is the final step of the car insurance claim process that starts with claim intimation, followed by document submission, claim verification, and finally, approval. Based on the type of car insurance claim you have chosen, the settlement will be directly made to the garage or reimbursed to you later.
The benefit can be used to reduce your financial burden or refrain you from breaking your hard-earned savings.
At Reliance General Insurance, we extend a smooth and hassle-free claim settlement process to ensure you have a quick and convenient auto insurance claim experience.
Intimate us about the insurance claim process for your car by contacting us at our paid helpline number - +91 22 48903009 or logging into our Reliance Self-i App within 24 hours of the incident. With our Reliance Self-i App, you can have live video calls and track claim status anytime.
For cashless claims, take your car to any of our network garages.
For reimbursement claims, you can choose any of your preferred garages. However, ensure that it is an authorised garage.
We will respond within 48 hours and send a surveyor to examine the damage incurred to your car.
Provide all the necessary details about the car insurance claim and submit the supporting documents to the surveyor.
We will review your claim documents to verify the liability and move forward with the car insurance claim procedure. If the claim is approved, we will directly settle the applicable repair expenses with the garage for cashless claims.
For reimbursement claims, you must pay the repair expenses upfront and submit the bills and payment receipts to us. We will review the expenses and, once verified, reimburse you for the applicable payments.
The documents required to file a car insurance claim can vary depending on your particular incident. Therefore, it is always important to clarify the requirements with us during claim intimation.
Some of the common and other specific documents required to claim insurance for the car are as follows:
Common Documents Required for All Car Insurance Claims
● Claim form
● Car insurance policy
● Car registration certificate with original keys
● Tax receipt
● Copy of driving licence
● Proof of identity and address
Specific Documents Required for Accidental Damages
● First Information Report (FIR)
● Repair estimates
● Repair bills and payment receipts
Specific Documents Required for Theft Cases
● First Information Report and Final Investigation Report
● Non-Traceable Report from the Police
● Acknowledged copy of a letter addressed to the RTO
● Claim Discharge Voucher signed across a Revenue Stamp
Specific Documents Required for Personal Accident Cover
● Medical Reports
● Hospital Bills
Specific Documents Required for Accidental Death
● Death Certificate
● Post Mortem Report
Specific Documents Required On Admission of Liability
● Letter of Subrogation
● Forms 28, 29 and 40 duly filled and signed.
● Consent to the agreed claim settlement amount from both you and the Financier
● Form 35 duly signed by the Financier.
● NOC from the Financier if the claim is settled in the favour of the insurance provider
● The Claim Discharge Voucher signed across a Revenue Stamp
Understanding the difference between cashless and reimbursement claims is important for making informed decisions and taking the appropriate steps.
Factors to Consider
Cashless Car Claims
Reimbursement Car Claims
Payment
We pay for the repair expenses directly to the garage.
You pay for the expenses upfront, and we can reimburse you later.
Choice of Garage
Opt for any of our network garages across India.
Opt for any garage of your preference.
Out-of-Pocket Expenses
Only to the extent of applicable deductibles; no other out-of-pocket expenses at the time of repair and vehicle delivery.
A complete initial payment is required.
Documentation
Minimal documentation, as most of it is handled by the network garage.
Detailed documentation with proof of payment is required.
Claim Process
Direct, streamlined and convenient.
Involves slightly more steps and detailed documentation.
The following steps can expedite the road accident insurance claim process and ensure legal protection.
Take first aid and call emergency services to ensure everyone’s safety. Make arrangements to move yourself and your fellow passengers to the hospital.
Inform the Police and file the First Information Report (FIR). Take copies of the FIR and secure them for all further proceedings.
Take sufficient photographs and videos of the accident scene and vehicle damages. Seek reports from eyewitnesses if possible.
Intimate us about the incident and file the car accident insurance claim with us. It will help us start with the necessary next steps to proceed faster with the settlement.
A car insurance surveyor plays a significant role in the claim process. Some of their important responsibilities include:
If your claim insurance for a car is rejected or you are not satisfied with the claim amount, you can always approach our Grievance Cell to get your queries addressed and resolved.
You can always visit any of our nearest branch offices or contact the Grievance Redressal Officer (GRO).
Also Read:How to Handle Car Insurance Disputes?
If you have registered a car insurance claim, you can check its status using the following steps:
Yes, you can claim car insurance for the damages incurred to your car if you have an own-damage or comprehensive car insurance policy. Deciding whether to file a car insurance claim depends largely on the extent of the damages.
If the accident results in significant damages, filing a claim can help cover the repair costs. On the other hand, if the damage is minor, you can choose to forgo filing a claim to maintain your No Claim Bonus.
Generally, there is no limit on the number of claims that you can file in a year. However, it is subject to the policy terms and conditions.
Reliance General Insurance has a wide network of more than 10,000 garages for cashless repairs across India. Find the garage nearest to your location.
A standard car insurance policy may not cover the damages incurred to your car’s engine. However, you can choose to opt for the Engine Protection add-on cover to compensate for such costs if you live in flood-prone areas.
Yes, you can file a car insurance claim if your car is covered under your own-damage or comprehensive car insurance policy.
Yes, your claim history impacts your car insurance renewal premium. If you have raised multiple claims during the past years, your car is perceived as higher risk, which can lead to higher premium costs.
FIR is not a mandatory document. However, in specific scenarios, such as major accidents and theft cases, it is a must.
In the event of a car insurance claim, you may need to cover certain costs, such as depreciation and consumables, as well as applicable deductibles. However, by opting for add-ons like Nil Depreciation and Consumables Cover, these expenses can also be covered to reduce your out-of-pocket expenses.
While you can benefit from zero depreciation by including the zero depreciation add-on, the number of claims you can file under this add-on is limited and depends on the specific car insurance policy you have chosen.
Disclaimer: *T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.
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