1. What to do if
a vehicle met with an accident outside the area / city / state
from where policy is issued?
If you know the toll free number of the Insurance Company
intimate the occurrence accident to the insurance company and
act on the advice of the company.
If you donít know the contact no. of insurance Company confirm
It the insurance company is having any office at the place where
accident took place. If there is local office of the company
intimate the claim to the company.
If some how you are unable to contact the insurance company or
it the accident took place in odd hours / holiday arrange the
photographs of vehicle on the spot of accident.
If the loss is major (say more than INR 50,000/-) and there is
third party damage / loss / Injury / death etc., lodge FIR /
Police report immediately.
2. If you are not having enough money to repair the vehicle!
What to do?
The insurance companies have tie ups with dealers of the
vehicles for providing cashless facility to the insured after
the approval of the insurance company.
3. What is cash less facility and what is the benefit of cash
Cashless facility means settlement of claims on cashless basis
where the insured has to pay only deprecation amount of the
total amount of claim passed / sanctioned by the surveyor/
Authorized person of the insurance company.
4. What to do if the vehicle is stolen?
If a vehicle is stolen, the first step is to lodge the FIR /
Police Report and get a copy of police report for lodging the
insurance claim with the insurance company.
5. In what conditions / Situations Claim could be rejected /
denied by the insurance company?
Claim could be denied by the insurance companies in case the
driving license of the driver driving the vehicle at the time of
accident is non-genuine / fake.
6. When a vehicle is treated as total loss?
When the repair cost of the vehicle exceeds 75 % of the Insured
Declared Value (IDV), it will be constructed as a total loss
7. If a vehicle is extensively damaged and the insured does
not want to retain and get the vehicle repaired. What could be
If the vehicle is extensively / badly damaged and could not come
under total loss conditions, the insured can request to the
insurance company for the settlement of claim on total loss
basis but this is the prerogative of insurance company to settle
it on total loss basis or not (This is applicable only in case
of private general insurance companies).
8. If the public sector company from where vehicle is insured
is not having any office at place of accident?
If the vehicle is insured by the public sector insurance company
and the company from where the vehicle is insured is not having
any local office at or near the place of accident you could
contact any other local public sector company and the spot
survey could be arranged by the surveyor deputed by that
9. Is it necessary to lodge police report in every case of
commercial vehicle accident?
If there is no third party loss / damage it is advisable to
contact the local insurance office for arranging spot survey of
the accidental vehicle or lodge an FIR / Police Report and if
there is third party loss / injury / death, it is necessary to
lodge the FIR / Police Report.
10. If a vehicle met with an accident outside the local area
/ city / state of insurance policy issuance office. Is possible
to get the vehicle repaired from the place where the accident
Yes, by intimating to the local insurance office, the vehicle
could be repaired from that place and all the Bills / Cash memos
to be deposited to either policy issuance office or local office
in original. (Kindly retain photocopies of Bills / cash memos
11. If a vehicle is stolen and recovered on recovery it is
observed that the vehicle is damaged and few item from vehicle
such as CNG / LPG Kit / Alternator / Carburetor /Battery etc.
are missing. What to do ?
If a vehicle is stolen and an FIR is lodged by the insured with
the police authorities.
Later insured got a call from police authorities that the
vehicle is recovered.
When the insured visited police station / other place to get his
stolen vehicle back, the first thing the insured has to do is to
inspect the vehicle properly before getting vehicle released
Please inspect that weather accessories attached to the vehicle
such as Gas Kit / Music System , Battery/ Alternator / Tyres /
Extra Tyre / Tool Kit etc are intact or not.
It any thing is missing or vehicle outer / Inner body is damaged
kindly intimate to the police authority.
Before getting delivery report / FIR from police authorities
please make sure that the missing items / damaged items are
mentioned in FIR report because the final / delivery / FIR
report plays important roles in these types of cases.
12. If a music system or any other item installed in the
vehicle is stolen. What steps to be taken?
Immediately lodge the FIR / Police report and after that inform
the insurance company regarding the mishap. Donít touch /
replace any item under an authorize person of the company
inspect the vehicle and after taking the consent of the
insurance company the things should be replaced / repaired.
13. If a vehicle met with an accident in night at an isolated
place and you leave the vehicle at the spot of accident. In the
morning, when you visit the spot of accident, you found that few
items of the vehicles such as Tyre / stereo / battery etc. are
stolen. What should be taken?
In this case to lodge a police report / FIR is must. In FIR,
complete mishap / accident details along with details of items
missing from the vehicle should be mentioned