Motor Insurance
Motor Insurance Claims: A Step-By-Step Guide
Learn how to file motor insurance claims quickly and efficiently.
Whether you drive daily or occasionally, accidents can occur without warning. Understanding the claims journey beforehand ensures you don’t miss critical timelines or documents. Immediate notification, accurate paperwork, and coordination with surveyors dramatically reduce settlement delays.
Keep our claims desk number saved and brief your family members about the process. We coach customers on how to speak with insurer helplines, what to record at accident sites, and how to avoid common errors like unauthorized repairs before surveys.
1. Ensure Safety & Inform Authorities
Move passengers to safety, call the police for FIR (mandatory for third-party injury/theft). Note location, time, and witnesses.
2. Notify Insurer & Bhatnagar Services
Inform us and the insurer within 24 hours to avoid claim denial. Share policy number, vehicle details, and brief incident summary.
3. Document Everything
Take photos, keep repair estimates, towing bills, and hospital bills (if personal injury). Our team helps compile claim files.
4. Surveyor Inspection & Repairs
Insurer surveyor will inspect damage at your garage. Do not start repairs until inspection is complete. Opt for cashless network garages when possible.
5. Submit Claim Forms & Track Status
Sign claim form, provide ID, RC, DL, FIR, and bills. We coordinate with insurers for approvals and keep you updated until settlement.
Checklist Before You Drive
Benefits of Motor Insurance
- Covers repair expenses, theft, and third-party liabilities that could otherwise derail finances.
- Provides cashless repairs at network garages across India.
- Offers add-ons like zero depreciation, engine protect, and roadside assistance for enhanced protection.
- Mandatory by law—maintaining valid cover prevents penalties and legal issues.
- Keep soft copies of policy, RC, DL, and PUC on your phone.
- Save the insurer’s toll-free number and our claims desk number.
- Renew policy on time to avoid break-in inspections.
Need immediate claims help?