How to File a Motor Insurance Claim in India: Step-by-Step Guide

Accidents are stressful enough. Here's exactly what to do — step by step — to make sure your motor insurance claim gets approved quickly.

Immediately After the Accident

1. Ensure everyone's safety first — call an ambulance if needed (108)
2. Photograph the damage, other vehicles, and the accident scene
3. Note the other driver's name, vehicle number, licence and insurance details
4. Call the police if injuries or serious damage occurred (mandatory for third-party claims)
5. Call your insurer's 24/7 helpline within 24 hours

For Cashless Claims

1. Take your car to an insurer-authorised network garage
2. Insurer sends a surveyor to assess damage (usually within 24–48 hours)
3. Garage repairs the car; insurer pays them directly
4. You pay only the deductible (and depreciation if no zero-dep cover)

For Reimbursement Claims

1. Get repairs done at any garage of your choice
2. Collect all original bills, receipts and repair reports
3. Submit claim form + documents to your insurer within the deadline
4. Insurer processes and transfers the approved amount to your bank account

Documents You'll Need

• Copy of your insurance policy
• RC (Registration Certificate) of your vehicle
• Driving licence of the driver at the time of accident
• FIR copy (if applicable)
• Repair estimate / final bill from the garage
• Photographs of the damage

If your claim is denied after following all the right steps, read our guide on what to do if your motor insurance claim is rejected in India — it covers every escalation path from the Grievance Officer to the Ombudsman. Before the next renewal, understand the difference between third-party and comprehensive car insurance to ensure you have the right cover for your situation. And every clean policy year builds your no-claim bonus — a 50% discount on own-damage premium after five claim-free years.