A claim is a request by the policyholder to the insurance company seeking compensation for an insured event involving the insured vehicle under the motor insurance policy.

In case of a claim, you may directly contact InsurancePe at the phone number or e-mail listed on our website, and we will guide you through every step of the claims process.

Upon receiving the claim request and necessary documents, the insurance company reviews coverages, its validity and, if approved, provides reimbursement or covers the costs of repairs or replacement of the vehicle as per the policy's terms and conditions.

There are two types of claims in motor insurance:

1. Third Party Claims
2. Own Damage Claims

Third Party Claims

According to The Motor Insurance Act of 1989, third-party insurance is compulsory for vehicles driven in public places. Hence, it is also referred to as Act Only Insurance or Liability Only Insurance.

The person seeking compensation will have to file a compensation claim case in the Motor Accident Claims Tribunal.Such cases do not fall under the jurisdiction of civil courts.

Lawsuits filed by third parties against an insured person may seek compensation for:

Injury and Death of a Third Party:
If the accident causes injury, disability, or death of the third party, the individual or their dependents can file a claim for compensation. The Motor Accidents Claim Tribunal will decide the compensation based on the documentation.

Property Damage Caused to a Third Party:
In the case of third-party property damage, a claim can be filed through the Motor Accident Claims Tribunal within the jurisdiction of the accident.

The third party should:
- Obtain the insurance details of the vehicle
- File an FIR by providing complete details and evidence at the police station in the same jurisdiction

According to the tribunal's ruling, compensation will be awarded to the third party based on the documentation. The maximum compensation for property damage is ₹7,50,000.

Process for filling a Claim (Third-party)

After the happening of the event if you have caused damage to third party property or inflicted bodily injury, it is important to gather all relevant information regarding the damage of the property or details of injured person; you have to immediatelyinform your insurance company about the incident.

The following are the important steps to be followed:

1. File a First Information Report (FIR) at the nearest police station and collect the charge sheet
2. Third party claims must be registered with the Motor Accident Claims Tribunal; it is a special court established to deal with motor accidents
3. In cases of property damage, it is mandatory to provide the inspection officer's report, the surveyor's assessment, and the original bill to estimate the total loss.

The following documents are required to file a Third Party (TP) claim

• Duly Filled Claim Form
• FIR Copy (in case of Third-party property damage/death/ bodily injury
• Driving Licence copy
• Copy of a valid insurance policy
• RC Copy of the Vehicle
• Original bills (reimbursement of a claim)
• Photographs of the incident

• Own Damage Claims (OD)

Policyholders file these claims for damage to their own vehicles resulting from accidents, natural disasters such as floods and earthquakes, man-made disturbances like riots and vandalism, as well as fire and theft. The following types of claims available in Own damage coverages…

Cashless Claim: If the insurance company has a network of preferred garages, you might be able to avail of a cashless repair facility where the insurer directly pays the garage. In this case you need not pay from your pocket.

Reimbursement Claim; In this claim, you can get your vehicle repaired at any of your preferred garages and then get the repair costs reimbursed from your insurance company

Personal Accident Claim These claims are filed for compensation in the event of accidental injury, disability, or death of the driver-owner or passengers (if covered by the policy). For instance, if the policyholder sustains injuries in an accident, they can submit a Personal Accident claim to cover medical expenses or receive compensation for disability.As per IRDAI regulations Personal Accident Sum Insurance is Rs 15,00,000.

The following table indicates the scale of compensation depends upon the level or extent of injury.

Extent of Injury	Scale
i. Death	100% of Sum Insured
ii. Loss of two limbs or vision in both eyes	100% of Sum Insured
iii. Loss of one limb or vision of one eye	50% of Sum Insured
iv. Permanent total disablement from injuries other than those listed above	100% of Sum Insured

Process for filling a Claim (Own Damage/ Personal Accident)

Claims Process and Documentation is same as in TP Claims.

Theft related claims the following documents are required.

• Copy of declaration form submitted with the RTO
• Subrogation letter
• Road tax receipt
• Original registration certificate
• Intimation letter from the RTO stating vehicle discontinuation
• Warranty cards, booklet, and duplicate keys
• Non-Traceable Certificate (NTC) from the local police