Car insurance is not just a legal requirement; it’s a financial safety net. But when an accident happens or your car gets damaged, filing a claim can feel like navigating a maze. From understanding how long a car insurance claim takes to knowing what to do if your claim is denied, this blog answers all your pressing questions in detail.
How Long Does a Car Insurance Claim Take?
The timeline for a car insurance claim depends on the complexity of the case:
- Minor Accidents (small dents, no injuries): 7 to 15 working days
- Major Accidents (involving injuries, multiple parties): 30 to 45 days
- Total Loss or Theft: May take up to 60 days
Factors That Affect Claim Timelines
- Completeness of Documents: Missing paperwork delays approval
- Investigation Needs: If liability is unclear, expect a longer resolution time
- Third-Party Involvement: Coordination with other insurers takes time
- Surveyor Reports: On-site inspections may be required for major damages
Tip: Always submit photos, the FIR (if required), and all documentation as early as possible to speed up the process.
If I Damage My Own Car, Can I Claim on My Insurance?
Yes, but only if your policy includes own-damage coverage, typically under a comprehensive insurance plan.
Types of Car Insurance
- Comprehensive Insurance: Covers both own damage and third-party liability
- Third-Party Insurance: Only covers damages caused to other people or property
If you accidentally damage your own car (e.g., hitting a pole or scratching the bumper), your insurer will cover the repair costs after deducting the applicable deductible, provided you have comprehensive coverage.
Can You Cancel a Claim on Car Insurance?
Yes, in most cases, you can cancel a car insurance claim, especially if it has not been processed or settled yet.
Reasons You Might Cancel a Claim
- The cost of repair is lower than your deductible
- You want to protect your No Claim Bonus (NCB)
- You decided to pay for the repairs out of pocket
How to Cancel:
- Contact your insurance provider immediately
- Submit a written request to cancel the claim
- Confirm the status of the cancellation and ensure it doesn’t affect your NCB
Note: Some insurers may still keep a record of the claim initiation even if it is cancelled.
What Happens When a Car Accident Claim Exceeds Insurance Limits?
If the cost of damages or legal liability exceeds your coverage limit, your insurer will only pay up to the limit stated in your policy. The remaining amount becomes your responsibility.
Example:
- You have third-party liability coverage of ₹5 lakh
- The court awards ₹7 lakh in damages
- Your insurer pays ₹5 lakh, and you must pay the remaining ₹2 lakh
Solution: Opt for higher coverage than the minimum required to avoid out-of-pocket expenses in serious accidents.
What to Do When Car Insurance Denies a Claim
Claim denials can happen for various reasons, but all is not lost. Here’s how to deal with a denied car insurance claim:
Common Reasons for Denial:
- Policy expired or lapsed
- Non-disclosure of facts
- Delayed intimation of the claim
- Driving under the influence
- Using the car for commercial purposes if insured for personal use
Steps to Take:
- Request a written explanation from the insurer
- Review your policy terms and conditions
- Gather supporting documents and evidence
- File a grievance with the insurer
- If unresolved, approach the Insurance Ombudsman or file a complaint with IRDAI
How to Claim Car Insurance in India
Filing a claim can be broken down into a few simple steps:
- Inform your insurer immediately after the incident
- Register the claim via phone, app, or website
- Provide all necessary documents:
- Policy number
- Driver’s license
- RC (Registration Certificate)
- FIR (if required)
- Photos of the damage
- Arrange for vehicle inspection (either on-site or at a garage)
- Receive approval and proceed with repairs (cashless or reimbursement basis)
- Track the claim status and follow up if necessary
Tip: Choose an insurer with a good claim settlement ratio and a wide network of garages for a smoother experience.
Final Thoughts
Car insurance claims may seem complicated, but understanding the process can make all the difference. Knowing when and how to claim, what coverage you have, and how to handle disputes empowers you to make smarter decisions.
If you’re shopping for a new policy or considering add-ons like zero depreciation or engine protection, now is the perfect time to assess your needs and make sure you’re truly covered.
Have questions or personal experiences with car insurance claims? Share them in the comments below!