When buying a new car, its insurance policy is a compulsory requirement. Hence, most buyers pick a policy to stay on the right side of the law. Little do they consider any benefits that a car insurance policy
offers, other than legal compliance.
Car insurance plans have two-fold advantages — legal protection, as well as coverage for damages that may happen. Therefore, when you select a policy, it is essential to keep in mind how you go about choosing the appropriate coverage, as it can help avoid a financial loss in the case of damages. Protection against natural calamities, man-made perils, and even theft, are some situations when your car insurance cover comes in handy. But did you know that even in scenarios of dents on your car, this insurance cover is useful?
Here’s how you can use your insurance policy to pay for the dents on your car.
The insurance claim process for dents on your car is a four-step straightforward process.
- Registration of the Claim
The first step to making use of your insurance policy for repairs related to dents requires registering a claim with your insurance company. The quicker it is, the better. Hence, avoid any delays in informing your insurance company about the dents.
The registration of claims can either be done online or by calling up the insurance company based on what facility your insurer provides. When lodging a claim, you would also be required to upload certain documents, such as your vehicle’s registration documents, driving license, policy details, or a copy of the FIR. In case of accidents injuring a third party, it is also necessary to mention the damages to such a third person and their property. *
- Claim Registration Number
Once your insurance claim has been lodged successfully with all the necessary details, the insurer provides a claim registration number. This number is a tracking number for the compensation regarding your claim and also serves as a reference point for any concerns or queries. The claim registration number is unique to every insurance claim
- Inspection by the Insurance Surveyor
Depending on the type of claim, the insurance company may require a mandatory inspection of your vehicle before the repairs are carried out. This is true for cashless claims, as the insurance surveyor — an insurer-appointed official — inspects the vehicle and provides an estimate of the damages to the insurance company. Only after an inspection by the insurance surveyor, will repairs be made for the dents on your car.
For reimbursement claims, an inspection may not be a compulsory requirement for starting the repairs, as evidence by way of photographs and videos may be sufficient evidence for beginning any repair work. *
- Repairs to the Vehicle
After the inspection and submission of the surveyor’s report, the insurance company allows the repair activity to be commenced for your vehicle at a network garage. These network garages are service stations affiliated with the insurance company that helps facilitate the cashless repair of your car.
For reimbursement claims, the repair activity can be carried out, followed by the submission of all the necessary repair bills to the insurance company for reimbursement later on. *
*Standard T&C Apply
In these four steps, the insurance claim can be raised for the dents on your car. While various plans have different coverage, you can use a car insurance calculator
to compare the several options in terms of price as well as features.
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read the sales brochure/policy wording carefully before concluding a sale.