Filing a car insurance claim can seem overwhelming, especially with the constant updates in the insurance sector. Whether it’s a minor fender-bender or a major accident, understanding the car insurance claim India process in 2025 can save you time, stress, and money. This guide breaks down each step of the motor policy filing process under the latest insurance process 2025 regulations.
Understanding Car Insurance Claims
A car insurance claim is the formal request made by a policyholder to their insurance company for compensation after an accident or damage. Knowing the claim process ensures that you:
-
Get your vehicle repaired quickly
-
Avoid delays in claim settlement
-
Comply with insurance documentation requirements
The insurance process 2025 has streamlined digital options, making it easier for policyholders to file claims online.
Step-by-Step Car Insurance Claim India Process
Step 1: Assess the Damage and Inform the Insurer
Immediately after an accident or damage:
-
Ensure safety and call emergency services if required
-
Take photographs of the damage from multiple angles
-
Contact your insurer within 24 hours to inform them
Most insurers now offer digital claim intimation via apps or websites under the insurance process 2025.
Step 2: File a First Information Report (FIR) (If Required)
An FIR may be mandatory if:
-
The damage involves a third party
-
There is a theft or major accident
Keep a copy of the FIR, as it will be essential for the motor policy filing process.
Step 3: Submit Claim Documents
Typical documents required include:
| Document | Purpose |
|---|---|
| Insurance policy copy | Proof of coverage |
| Vehicle registration certificate | Verification of ownership |
| FIR (if applicable) | Legal compliance |
| Repair bills/estimate | For cashless or reimbursement claims |
| Photos of damage | Evidence for assessment |
Submitting complete documents ensures faster claim settlement.
Step 4: Vehicle Inspection & Damage Assessment
-
An insurance surveyor will inspect your vehicle
-
Digital photo uploads may suffice for minor damages
-
Based on the assessment, a claim approval or rejection is communicated
Step 5: Claim Settlement
There are two types of claim settlements:
| Settlement Type | Details |
|---|---|
| Cashless | Direct payment to the network garage; minimal paperwork |
| Reimbursement | You pay first and get reimbursed; usually requires complete bills and receipts |
Most insurers in 2025 now emphasize cashless settlements for convenience and faster turnaround.
Tips for a Smooth Claim Process
-
Always keep your insurance documents handy
-
Inform the insurer immediately after damage
-
Use the insurer’s app for filing claims to speed up processing
-
Keep detailed photographs and evidence
FAQs About Car Insurance Claim India
1. How long does it take to settle a car insurance claim in 2025?
Claim settlement can take anywhere from 7 to 30 days depending on the type of claim, documentation, and vehicle inspection. Digital motor policy filing often speeds up the process.
2. Can I file a car insurance claim online?
Yes, the insurance process 2025 allows policyholders to submit claims online via insurer portals or mobile apps.
3. What happens if I miss submitting documents on time?
Delays in document submission may lead to claim rejection. Always check the insurer’s requirements and timelines for car insurance claim India.
4. Is cashless claim better than reimbursement?
Cashless claims are faster and more convenient as payments are made directly to the garage. Reimbursement claims require you to pay upfront and submit bills for repayment.
Click here to learn more