Filing a motor insurance claim can seem complicated, but it doesn’t have to be. Let’s understand the claim process in this video. There are three main types of claims: third-party claims, own damage claims, and theft claims.
Firstly, we have covered how to proceed with third-party claims. This includes two scenarios: If your vehicle is involved in an incident, and if you're the victim. Next, you will understand how to proceed with filing theft or damage claims. Once you raise a claim, the process moves forward as per IRDAI guidelines. The surveyors assigned will create a survey report and provide it to your insurer, who will decide on your claim. We’ll also discuss the completion timelines for each step, as per the regulator.
Next, you will also look at what to do if your claim is delayed or rejected unfairly. You can file a complaint with your insurer’s Grievance Redressal Officer. If needed, you can further escalate the matter to IRDAI through their call centre or the Bima Bharosa portal.
Understanding the motor insurance claims process ensures that you’re prepared and protected when you need it most. So, stay informed with this video and ensure a smoother experience.
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