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1. Claim Intimation:
Insurer has to be informed about the accident for surveyor deputation.
Claim intimation can be given over telephone, sms, website, e-mail,
claim intimation form etc.
Minimum info required from customer are
• Customer name & contact no.
• Vehicle no.
• Cause of accident & brief description of accident
• Place of Accident
• Place/Workshop where vehicle can be surveyed
• Brief Description of damage
• Details of Driver who was driving the vehicle at the time of accident
• Cashless claim preference – If customer prefers cashless claim service
then he will be guided to nearest cashless garage by the insurer. There
the customer has to pay excess & depreciation.
2. Documents Requirement
The documents generally required for settlement of motor OD claim are
given below.
a) Claim Form duly completed
b) Registration certificate copy
c) Driving license copy
For loss sustained by parked vehicles, Driving License
requirement may be waived.
d) FIR copy
A copy of First Information Report/DDR/Panchanama is required wherever
third parties life/property damage are involved in an accident.
Cashless Claim:
In cashless claim, insured will be guided to a cashless workshop by
insurance company. The surveyor will arrive at the designated workshop
as informed to customer and make an assessment of loss. Required claim
from, documents etc. will be received & examined by the surveyor at the
workshop itself. Surveyor will inform customer that what amount of claim
will be paid by insurance company and what amount of payment will be
borne by the customer. If the insured agrees, then he/she will require
to sign a voucher and repair work on the vehicle will start.
Reimbursement Claim:
After receipt of survey report, claim form & relevant documents;
insurance company processes the claim and communicates the same to
customer that claim has been approved for “x’ amount or rejected due to
certain reasons. While receiving payment for a claim, Customer has to
sign a Discharge voucher for discharging the insurance company from any
further liability w.r.t that claim.
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