In case you car is stolen or it has been damaged in any way, or you and your family have been injured due to an accident, then you need to make a car insurance claim. Here are some things that you need to keep in mind:

A comprehensive car policy will cover the theft, because it covers third party liability. It also covers damage made by natural disasters and man-made calamities. It is important to remember that all the coverage that you are entitled to will only be accepted if the claim is suitable, convincing and also complete. As much disturbing the occurrence is, one has to file an FIR as soon as possible with the relevant police station. This is the first step of making the claim.

Next, one has to inform the insurance company as soon as possible as they will start their own procedure. This has to be done at the earliest so that the claim cannot be rejected on grounds of delay or loss of evidence because of it.

Thirdly, one has to inform the RTO, which is the legal division of the transport department. They will be the one giving you the RTO transfer papers and other relevant documents. Having these documents in order before making the claim is of utmost importance and these should be submitted along with the completed form that has been provided by the insurance company.

Here are the complete list of documents required for car insurance claim process:


  • The original FIR copy
  • Copy of driving license
  • Duly signed claim form
  • Original car keys copy of the vehicle’s RC
  • RTO transfer papers along with Form 28, 29, 30 and 35.

Next, one should also acquire a no- trace report which has to be obtained from the police station which says that in case of a car theft, the vehicle has not been traced. Without this report, it is unlikely a accident claim would be accepted and it takes about a month from the incident for the police to conduct the necessary investigation and make a report.

Once the insurer has been informed, they will employ their own investigators to look into the matter. They will collect the relevant documents from their side and the investigation can take anywhere between 60 to 90 days. In case of an accident, they will also acquire the CCTV footage to determine whether the accident was the driver’s fault or not. It is important to remain calm and them cooperate with the investigation in every manner so that the claim can be successfully made after the completion of the procedure. It could take up to 90 days for the insurance company to generate the Insured Declared Value of the car and so the total procedure could take about three to four months.

If all the rules have been meticulously followed then the insurance company will definitely pay your claim once they are satisfied that all the facts and documents provided by you are correct.  

If you still face any challenges, approach us at https://www.insurancesamadhan.com/register. Our experts will get in touch with you and represent you with the insurance company for your rightful claim.