Easy Steps to Follow if Claiming HDFC ERGO Car Insurance

There are lots of grievances we come across on regular basis about the distress being faced by the customers while trying to get claimed money from their insurers. Usually, an insurer attempts to settle all authentic claims made by the insured at the soonest.
Hereby, a little awareness or basic care, taken at the time you filing a claim can go a long way in ensuring a smooth claim settlement process.

Let’s take an example of HDFC ERGO car insurance claim settlement process. With a car insurance policy with HDFC ERGO, you can register a claim with no time by following few simple steps. Here we go:

Claim Settlement for Accidents

• Note down the RC number of another vehicle involved in the mishap, witness name, and contact number, if any. This information is essential to file a FIR. In the case of any damage done by you to third-party property, theft, injury, a FIR is mandatory.
• Next step is to call on customer care number of HDFC ERGO and index your claim. The customer care executive will assist you with a claim number for future reference. They will help you in lowering the vehicle to the network garage for repairing. 
• You will get the repair estimate bill and required to submit to your insurer along with the necessary documents while filing the claim.
• If you want to repair the vehicle to your preferred garage, that is not in HDFCS ERGO’s network list, make sure the replaced parts, if any, are real and acquired from an authorized dealer. Also, you can reimburse the repair costs by presenting cash memo/bills to HDFC ERGO. After an evaluation and overall check, the company will reimburse your money.
• The insured is liable to pay depreciated cost and non-accidental damage repair cost or other minimal deductibles. The insurer will pay the rest amount.
• Once your car is delivered after repairing the damages, a satisfaction voucher is required to be signed by you if availed the cashless facility. Your insurer takes care the amount excluding depreciation expense, consumable items, and mandatory costs.
• The entire process may take up to 30 days in case of a major accident and the damages acquire above 75% repair cost. 
• Apart from accident, if you claim your insurance due to theft, the insurer appoints an investigator to investigate the situation and all related documents will be obtained from police. The claim settlement process is done within 60 days, depending on the case structure.

Documents Required

• FIR explaining the incident
• Copy of RC Book
• License copy of the person driving the vehicle when the accident occurred. 
• Repair estimate bill received from the network garage
• KYC Documents as mentioned in the policy document
• An FIR is mandatory in case the accident is occurred out of strike, riot or rebellious act. 

Auto insurance companies give claims the thumb down when the insured furnish wrong information or any fraudulent document is submitted. Many people make such mistakes, being ignorant the grave outcome when the need arises. If any such situation arises, filing a claim to get the financial benefits could be tricky. So, why take the risk. Always be genuine on your part and provide the right information. Bear in mind that your insurer is smarter than you expected!

Also Read: 6 Tips to Get the Best Car Insurance Deal