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How do car insurance claims work?

Your comprehensive car insurance cover along with the mandatory third-party liability will protect your car against accidents, natural disasters, theft, and so on.

Making car insurance claims is a lengthy procedure. Depending on the type of claim you will need to choose between making the claim to your third-party policy or your comprehensive policy

Here is how you can claim your car insurance:

Step 1: Inform your car insurance company about an accident as soon as possible. Ideally, this should be done within 24 hours of the accident.

Step 2: Once you’ve informed them, a surveyor from the insurance company will come and check your car for the level of damage.

Step 3: You can then take your car to a network garage for repair, as recommended by the insurance official.

• In case of a third-party claim, approach the Motor Accident Claims Tribunal providing accident details, the surveyor’s report, a copy of FIR, and certain other documents.

• In case of theft, you need to lodge an FIR with the police and inform the insurance company of the same. You will be paid the money only if the car is not traceable.

Disclaimer - *Conditions apply. This product is offered under the Group Insurance scheme wherein Bajaj Finance Limited is the Master policyholder. The insurance coverage is provided by our partner Insurance Company. Bajaj Finance Limited does not underwrite the risk. IRDAI Corporate Agency Registration Number CA0101. The above mentioned benefits and premium amount are subject to various factors such as age of insured, lifestyle habits, health, etc (if applicable). BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance and any claims post sale. This product provides insurance coverage. Purchase of this product is purely voluntary in nature. BFL does not compel any of its customers to mandatorily purchase any third party products.”

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