Cashless Motor Insurance Claim
A cashless motor insurance claim is a convenient way to get your vehicle repaired after an accident without
having to pay for the repairs upfront. Here’s how it works:
Network Garages
Your insurance company has a network of authorized garages where you can take your vehicle for repairs.
These garages have tie-ups with the insurance company, allowing for direct settlement of claims.
Claim Process
Inform Your Insurer
After an accident, immediately inform your insurance company about the incident.
Take Your Vehicle To A Network Garage
You can either take your vehicle to a network garage yourself or request your insurer to have it towed.
Surveyor Assessment
A surveyor from the insurance company will assess the damage at the garage.
Repair Approval
The garage will provide an estimate for the repairs, which the surveyor will approve
based on your policy coverage.
Repairs Begin
Once approved, the garage will begin the repair work.
Direct Settlement
After the repairs are complete, the garage will submit the bill to the insurance company, and the insurer will then directly settle the payment.
Your Responsibility
You will only be responsible for paying any deductibles or depreciation amounts as per your policy terms.
Benefits Of Cashless Claims
To Avail Of A Cashless Claim
Ensure that your car insurance policy is active.
Inform the insurance company immediately after the accident.
Take your vehicle to a network garage.
Provide your insurance details to the garage.
Cooperate with the surveyor and the garage throughout the claims process.
Cashless motor insurance claims offer a convenient and efficient way to get your vehicle repaired after an accident, minimizing your financial burden and alleviating stress during a difficult time. difficult
Non-Cashless Motor Insurance Claim
A non-cashless motor insurance claim, also known as a reimbursement claim, is a process where you first pay
for the repairs to your vehicle out of your own pocket, and then claim reimbursement from your insurance
company.
Here's How It Works
Accident And Notification
After an accident, inform your insurance company immediately.
Choose A Garage
Repairs And Payment
Get your vehicle repaired at the chosen garage and pay the repair charges
yourself.
Claim Submission
Submit the necessary documents to your insurance company, including
Claim Form
Original Repair Bills And Receipts
Police Report (If Applicable)
Reimbursement
Once the claim is approved, the insurance company will reimburse you for the covered repair expenses.
Insurance Policy Documents
Any Other Documents Requested By The Insurer
Survey And Approval
The insurance company will send a surveyor to assess the damage and verify the repair costs. They will then approve the claim based on your policy coverage.
Vehicle Registration Documents
Key Differences From Cashless Claims
When To Consider A Non-Cashless Claim
Choice of Garage
You have a preferred garage that is not in your insurer's network.
Minor Damage
The damage is minor, and you prefer to get it repaired quickly at a local garage.
Important Notes
Inform Your Insurer
Always inform your insurance company before getting the repairs done, even if you plan to file a non-cashless claim.
Keep All Documents
Maintain all original bills, receipts, and other documents related to the repairs.
Understand Your Policy
Be aware of your policy coverage, deductibles, and any other terms and conditions that might affect your claim.