Most people buy car insurance with the prime objective of protecting their vehicle against losses incurred during any kind of accident or mishap and also to be financially better equipped to tackle such unforeseen challenges. The procedure of availing car insurance has become easier owing to convenient facilities like cashless car insurance. Policyholders can now make a cashless claim during an emergency and settle the claim without worrying about the cost of repairs.
Car insurance companies extend immediate help and take charge of the condition through the assistance of their network of cashless garages, on receiving prompt plea of a cashless insurance claim.
Let’s find out how one should claim cashless car insurance in the face of an emergency.
Steps to Claim the Cashless Car insurance
Here are the steps that you must follow in order to be able to claim cashless car insurance:
- Firstly, you must inform your car insurance provider about the theft, damage or accident immediately
- If there has been any injuries or/and death, you must immediately file an FIR at the nearest police station
- If your car has been severely damaged in the accident, you should refrain from moving your car from the spot and contact your insurance company for a surveyor
- Your vehicle will be towed to a designated garage listed under their network (you can find this by calling the insurance company and getting the list of their approved garages) and then inspected
- After a quick analysis, the garage will provide an estimate of the repairing cost
- On availing an approval from the insurance company the garage will make the necessary repairs
Documents required for availing a Cashless Claim
The following is a list of documents that are deemed necessary for availing a cashless claim
- A copy of FIR
- A copy of the car insurance policy
- A copy of Registration Certificate of the vehicle in question
- A copy of driving license
- Submission of claim form
How do Cashless Garages work?
Most trusted car insurance companies now extend the benefit of getting damaged cars repaired with the help of cashless garages. These garages are typically a wide network of garages that are affiliated with a specific insurance company, where your own or a third-party insurance provider can deal with the garage directly without requiring the policyholder to spend anything from their pocket.
Once a policyholder of the specific car insurance company brings in their vehicle that has met damages due to factors including accident, natural or man-made disaster
- The cashless garage on receiving the directions from the surveyor, make an estimate of the cost of repair of the car damages
- After estimating the cost, they forward the report to the car insurance company
- On receiving an approval to proceed with the repair of the said vehicle, the cashless garage begin to repair it
- On the completion of repair, they forward the necessary bills of repair and other cash receipts to the car insurance company
- The company then settles the car insurance claim directly with them without involving the policyholder
To avail the full benefit of the cashless facility, you can buy car insurance form a trusted insurance company like Bajaj Allianz General Insurance and opt for their comprehensive cashless plan to be able to protect your vehicles better against accidents, theft, natural or man-made calamities.