Introduction
Car accidents are stressful, and dealing with the aftermath can be overwhelming—especially when it comes to filing an insurance claim. Many car owners in India don’t know the correct car insurance claim process, which often leads to delays or even rejection of claims.
In 2025, insurers have simplified the process with online claim filing, video inspections, and instant approvals. But to make sure you get your claim settled quickly and without hassle, you need to follow the correct procedure.
In this comprehensive guide, we will cover:
✔ Types of car insurance claims
✔ Step-by-step claim process after an accident
✔ Documents required
✔ Tips to avoid claim rejection
✔ Latest online claim features in 2025
Why is Claiming Car Insurance Important?
Car insurance is mandatory in India, but its main purpose is financial protection. Repairing a car after an accident can cost anywhere from ₹10,000 to ₹2,00,000 depending on the damage. A comprehensive insurance policy ensures:
- Cashless repairs at network garages
- Financial security in case of major accidents
- Coverage for third-party damages
Types of Car Insurance Claims in India
There are two main ways to settle a car insurance claim:
✅ 1. Cashless Claim
- The insurance company directly pays the garage.
- You only pay for non-covered items like consumables.
- Available only at network garages of the insurer.
✅ 2. Reimbursement Claim
- You pay the repair cost first.
- Submit bills and documents to the insurer.
- The insurer reimburses the approved amount.
Tip: Always prefer cashless claims for convenience and faster settlement.
Step-by-Step Guide to Claim Car Insurance After an Accident (2025)
Here’s the complete process you need to follow after an accident in India:
Step 1: Inform Your Insurer Immediately
- Call the insurer’s toll-free number or use the mobile app.
- Provide details like:
- Policy number
- Vehicle registration
- Location of the accident
- Description of the damage
Step 2: File an FIR (If Required)
- FIR is mandatory in cases involving:
- Third-party injury/death
- Theft
- Major damage
Step 3: Take Photos and Videos
- Capture clear pictures of:
- Damaged parts
- Accident scene
- Number plate of involved vehicles
Step 4: Submit Documents
- Insurance policy copy
- Driving license
- RC book
- Claim form (download from insurer’s site)
- FIR copy (if applicable)
Step 5: Surveyor Inspection
- Insurer sends a surveyor to inspect the damage.
- In 2025, many companies offer video inspection via mobile app for faster approvals.
Step 6: Get Repair Estimate & Approval
- Surveyor approves repairs based on policy terms.
- Choose cashless or reimbursement mode.
Step 7: Claim Settlement
- In cashless claims, insurer pays the garage directly.
- In reimbursement claims, submit bills for payment.
Documents Required for Car Insurance Claim
- Copy of insurance policy
- Registration Certificate (RC)
- Driving License
- FIR (if needed)
- Claim form with signature
- Repair bills (for reimbursement claims)
Online Car Insurance Claim Process in 2025
Modern insurers have introduced digital claim services:
- Mobile App Claims: Upload photos, documents, and videos.
- AI-based Instant Approval: Some claims are settled within 24 hours.
- Cashless Garage Locator: Find nearest network garage via app.
Tips to Avoid Claim Rejection
- Report the accident within 24 hours.
- Do NOT repair the car before surveyor inspection.
- Do NOT drive without a valid license or expired policy.
- Avoid policy violations (e.g., using private car as taxi).
Add-ons That Make Claims Easier
- Zero Depreciation Cover – Full claim without depreciation cuts.
- Engine Protection – Covers engine damage due to waterlogging.
- Roadside Assistance – Immediate towing and breakdown help.
- Return-to-Invoice – Full car value if total loss or theft occurs.
Top Insurers Offering Hassle-Free Claims in India (2025)
| Company | Claim Settlement Ratio | Avg. Claim Approval Time |
|---|---|---|
| ICICI Lombard | 96.8% | 24-48 hours |
| HDFC ERGO | 97.3% | 24 hours |
| Bajaj Allianz | 98.0% | Instant for small claims |
| Tata AIG | 96.9% | 48 hours |
| Reliance General | 95.5% | 48-72 hours |
High CPC Keywords Used
- How to claim car insurance after accident
- Car insurance claim process India 2025
- Cashless car insurance claim steps
- Car accident insurance claim documents
- Car insurance claim settlement online
FAQs – Car Insurance Claim Process
Q1: How long does it take to settle a car insurance claim in India?
A: Cashless claims are usually settled in 24-48 hours. Reimbursement claims can take up to 7-10 days.
Q2: Is FIR mandatory for all claims?
A: No, only for theft, third-party injury, or major accidents.
Q3: Will my premium increase after a claim?
A: Yes, your No Claim Bonus (NCB) will reset to zero after a claim.
Final Thoughts
Filing a car insurance claim in India has become faster and easier in 2025, thanks to online processes and digital verification. However, to avoid delays or rejections:
✔ Report immediately
✔ Submit correct documents
✔ Choose the right insurer with a high claim settlement ratio