30. Claim process for personal & Commercial vehicles in case of Accidental loss?

Claim process for Accidental Loss

1. At the time of unforeseen event raised with customer, first and foremost intimate the insurance company about the accident on their toll free no/ email at earliest.
2. Customer has to submit claim form along with requisite documents to the insurance company and take the vehicle to the workshop and get estimate of the damaged vehicle (If the vehicle is not in drivable condition, the vehicle needs to be towed to avoid any consequential damages*)
3. The insurance company will appoint surveyor to assess the damages, the surveyor will assess the loss and give work order to workshop and based on surveyors approval customer can get the car repaired
4. After work completion customer has to give final invoice and other require documents to surveyor, who in turn will send it to insurance company along with surveyors report
5. If all documents are in place, the insurance company provide a delivery order (DO) in case of cashless and customer can take his vehicle after paying his share of expenses to the workshop as per terms and conditions of the policy.
6. In case of reimbursement customer can make the full payment to the workshop and take the vehicle and the amount will be reimbursed in his account basis the terms and conditions of the policy.

List of documents customer should keep ready while making a claim.

For Accident Damages:

1. Proof of Insurance – Policy / Cover Note copy
2. Copy of Registration Book, Tax Receipt (Original required for verification)
3. Copy of Motor Driving License (with original) of the person driving the vehicle at the material time
4. Permit (In case commercial vehicle)
5. Fitness (In case commercial vehicle)
6. Police Panchanama / FIR (In case of third-party property damage/ death / body injury)
7. Estimate for repairer, where the vehicle is to be repaired
8. Repair bills and payment receipts after the job is completed
9. KYC Documents (Like- ID Proof, Address Proof, Pan Card, Etc)
   In the case that the car insurance claim is to be paid to repairer submit the following along with the documents mentioned above:
10. Claims Discharge Cum Satisfaction Voucher signed across a Revenue stamp in this format.

For Total Loss:

Pre-Approval Documents

1. Proof of Insurance – Policy / Cover Note copy
2. Copy of Registration Book, Tax Receipt (Original required for verification)
3. Copy of Motor Driving License (with original) of the person driving the vehicle at the material time
4. Permit (In case commercial vehicle)
5. Fitness (In case commercial vehicle)
6. Police Panchanama / FIR (In case of third-party property damage/ death / body injury)
7. Estimate for repairer, where the vehicle is to be repaired
8. Loan account statement
9. KYC Documents of Customer (Like- ID Proof, Address Proof, Pan Card, Etc)
10. Fire brigade report (only In case of Fire Loss) Post Approval Documents/ On Admission of Liability
11. Original Registration Book (If vehicle salvage settled with registration)/ Cancelled registration (If vehicle salvage settled without registration)
12. Original Permit (In case commercial Vehicle)
13. Original Fitness (In case commercial Vehicle)
14. All the sets of keys/service booklets/Warranty card
15. NOC of the Financer if claim is to be settled in insured’s favor
16. Form 28, 29 and 30 signed by the insured
17. Form 35 signed by the Financer, as the case may be, (undated and blank), on admission of liability of insurers.