After making sure that you and your co-passengers are safe, inform your respective insurer of the incident at the earliest and get your claim registered.

To register your claim online, log in to your insurer’s online portal/app and click on ‘Claim’.

• Once you are redirected to the online claim form, you will need to provide the following information:
• Your car insurance policy number
• A few personal details, including your name, phone number, and address
• Driver’s licence details (yours or the driver’s)
• Details regarding the incident
• A copy of the FIR if there was an accident

In the car insurance claim form, you will also need to specify if a third party was harmed or if third-party property was damaged.

Once you’ve entered all the details, click ‘Submit’.

After your claim is registered, you will receive a Claim Registration/Intimation Number from your insurer. Mention this number in all communication regarding claim status and settlement.

An authorized surveyor/assessor appointed by your insurer will inspect your car to assess the extent of the damage and estimate repair costs.

After inspection approval, take your car to an authorized garage (preferably a network/cashless garage associated with your insurer) for repairs.

The garage will carry out repairs as per the survey report and applicable policy terms.

Once repairs are completed satisfactorily, your insurer will settle the claim as per your policy—either cashless at a network garage or via reimbursement, as applicable.