HDFC ERGO Claims Process
Tips for filling a Car Insurance claim
If you drive, chances are that you will eventually be in an accident or have another incident that damages your car. You will need to follow certain steps to file a claim with your car insurance company to get reimbursement.
Claim types include bodily injury claims for medical expenses and property damage claims to vehicle repairs and stolen property. Read on to find out how to file a car insurance claim.
When to File A Claim:
Contact your car insurance company as soon as possible following a car collision. You may also need to file a claim if your vehicle is:
- Damaged from a non-accident-related event, such as fire or severe weather.
Your auto insurance agent’s or insurance company’s telephone number is listed on the front of your insurance card. However, you may also be able to find it online and in your actual policy documents.
Simple steps to Fill the claims:
Once you contact the car insurance company, your case will go through the following steps.
- Case assignment to a professional at your car insurance company who will work on your claim.
- Meeting with your claims professional to discuss your coverages and the situation.
- Evaluation by your claims professional, which can include inspecting your car, examining evidence of any injury claims, and an initial payment.
- Resolution of the case, including payments as appropriate.
- The closing of the case.
Since you are responsible for protecting your own property, your car insurance company may require you to make temporary fixes to your car while you are waiting for car repairs. These can help prevent further damage. However, be sure not to make permanent repairs before you are approved, because these may not be reimbursed.
Property Damage Claims:
Your ability to file a claim for vehicle repairs depends on the cause of the damage and the coverages that you have.
Liability property damage coverage does not cover your own car. It will only pay for the damages you cause to another driver’s vehicle in an accident that you cause.
The two major coverage types that pay for damage to your vehicle include:
- Collision coverage, which pays for damages to your vehicle after a collision.
- Comprehensive coverage, which will cover damages to your car occurring from events that aren’t relate to accidents.
- Examples include vandalism and severe weather.
Other coverages that will cover property damage include:
- Uninsured and underinsured motorist property damage coverage to get your reimbursement if you are in an accident and the driver that hit you does not have insurance.
- Gap insurance coverage to cover the difference if you have a car loan or are leasing your car, and it is declared a total loss.
- Windshield or glass coverage to replace or repair a windshield, mirror, or window that is damaged in an incident other than a collision.
Handling a Property Damage claims:
When you file a physical damage claim, an insurance adjuster will inspect your vehicle and estimate how much it will cost to repair the damage. You will then receive a check from the insurance company that takes into account the auto deductible you have chosen for your policy.
If your vehicle has been damage, follow these steps in order to have your car insurance claim process effectively:
- Report the damage to your vehicle to your insurance company immediately.
- Depending upon your insurance company’s policies, you can do this online, by calling your insurance agent during regular business hours, or by calling the company’s claims division.
- If another driver was involved, exchange insurance information.
- Allow your insurance company to inspect the vehicle before repair.
- Protect the vehicle so no further damages are caused and losses are limited.
- For example, if the accident causes the fender to rub against the vehicle tire, you should have this repair made immediately so the tire is not further damaged. If you don’t make the repair, your car insurance company can refuse to pay for any additional damages.
- Save all receipts and any other documentation you receive to give to your insurance company as part of your claim.
- Provide any requested information the insurance company needs as part of its investigation. If you refuse to cooperate, your claim could be denied.
Making smart decisions about how to move forward with your claim, and making sure you document all damage, will go a long way toward a fast and smooth settlement of your claim.