Ensuring A Successful Car Insurance Claim

In the wake of companies prioritising technology in the 21st century, the process has become straightforward, considering changing consumer behaviour. Despite the process’s simplification, it is a common misconception among customers that purchasing auto insurance guarantees the approval of claims in the event of an accident.

To ensure a smooth claim settlement process for bajaj allianz car insurance and that the claim is not denied, here is a checklist to bear in mind when filing the claim:

Inform Your Insurer

The initial and most crucial stage is to notify the insurer when the vehicle is involved in an accident; otherwise, the claim may be denied if the deadline has passed. In addition, omitting a detail, like a car insurance price, when notifying the insurer can hinder the claim settlement procedure. *

Establish The Claim

In cases where the policyholder was at fault for the accident, an insurance claim can be lodged immediately. In other situations where the other driver is at fault, the policyholder may submit a claim under a third-party auto insurance policy and accumulate a no-claims bonus to receive a concession on the renewal premium. In the latter circumstance, it is also required to register an FIR at the nearest police station. A copy must then be submitted to the insurance provider.*

Collecting Valuable Information

If you’re wondering how to claim car insurance, providing the insurer with all pertinent information regarding the incident and whether or not anyone was injured is imperative. Any supporting documents or evidence can support this.

Police Certificate Lacking Trace

If the vehicle has been vandalised or stolen, the policyholder must obtain a “No-Trace Certificate” from the police and a copy of the FIR. In this document, the officers state that the vehicle cannot be located; it is crucial evidence for theft claim settlement. *

Developing The Case

The final step is to file a claim and request reimbursement for the insured vehicle. After collecting all the necessary documentation, a claim can be filed.

The required documents include the vehicle registration certificate, a copy of the police report, the insurance policy, a valid driver’s license, a no-trace certificate, etc. The insurer will verify the documents and then initiate the claim settlement procedure.*


After filing a claim by checking rates on a car insurance calculator, one can choose between a cashless and reimbursement claim. In the event of a cashless claim, the insurance company will pay for the garage’s damages directly. The garage must be affiliated with the insurance provider, and the policyholder must pay the deductibles. Deductibles are determined when calculating premium and insured declared value (IDV).*

Insurance company reimbursement for the cost of repairs is another option. This allows the policyholder to have the vehicle repaired at any chosen facility. After the insurance company verifies the submitted invoices, reimbursement may be granted or denied.*

In addition to these basic steps, transparency with the insurer of your bajaj allianz car insurance is essential for settling claims in the unfortunate event of an accident.

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* Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.