Submitting a claim on a car insurance policy might seem overwhelming especially after an accident or unexpected damage. While your insurer is there to provide financial support, claims are often delayed—or even rejected—because of avoidable mistakes by policyholders. Knowing what not to do can help you save time, avoid stress, and ensure a smoother claims experience.
In this article, we’ll cover the most common mistakes people make while filing car insurance claims and how to avoid them.
Failing to Notify Your Insurer Right Away
One of the biggest mistakes car owners make is delaying the notification to their insurer after an accident or damage. Insurance companies usually require you to report the incident within a fixed timeframe. Missing this deadline can weaken your claim or even make it invalid.
Tip: Always contact your insurance provider right away, even if the damage appears minor.
Skipping the Details in Your Car Insurance Policy
Many policyholders skip reading their policy document carefully. As a result, they end up filing claims for issues that aren’t covered, such as regular wear and tear, mechanical breakdowns, or accidents caused under the influence of alcohol.
Tip: Review your car insurance policy thoroughly so you know what is included and excluded before filing a claim.
- Giving Wrong or Missing Information
Another common error is submitting inaccurate or incomplete details in the claim form. Even small mistakes, like the wrong accident time or location, can cause unnecessary delays and complications.
Tip: Always be honest and precise when filling forms or interacting with surveyors.
- Not Filing an FIR When Required
To report injuries, third-party losses, or theft, an FIR must be filed. Many people avoid this step thinking it might not be needed. Skipping this can result in claim denial.
Tip: File an FIR with the police if there’s theft, any injuries, or damages to another person’s property.
- Starting Repairs Before the Surveyor Sees the Car
Car owners often rush into repairs before the insurance surveyor inspects the vehicle. This is a critical mistake, as insurers need proof of the car’s condition to validate the claim.
Tip: Begin repairs after the surveyor finishes their review and the insurer gives permission.
- Forgetting to Keep Proof and Records
Not having receipts, bills, damage photos, or towing records can delay a claim. Insurers need records to approve claims without problems.
Tip: Snap photos of the damage or accident, save repair receipts, and keep all necessary documents.
- Missing Renewal Dates for Policies
Some people try to claim insurance with a lapsed Commercial Vehicle Insurance policy. If your coverage has ended, you cannot get claims, even if your case is valid..
Tip: Use reminders to renew your car insurance policy so your coverage stays uninterrupted.
Documents Required for Chola Car Insurance Claim
To process a claim smoothly with Chola MS Car Insurance, you’ll need to submit the following documents:
- Claim form (duly filled and signed)
- Copy of insurance policy
- Vehicle Registration Certificate (RC)
- Driving license of the person driving at the time of the incident
- FIR or police report (in case of theft or major accidents)
- Repair estimate and bills (for reimbursement claims)
- Photographs of the damage
- Loss Details form, which captures specifics like date, time, location, number of passengers, and police station details
For theft-related claims, additional papers such as the No Trace Certificate from the police and RTO transfer papers may be needed. In some cases, Chola MS may also ask for a satisfaction voucher after repairs. Ensuring your documents are accurate and legible will make the claim process quicker and hassle-free.
Final Thoughts
Filing a car insurance claim doesn’t have to be stressful. By avoiding common mistakes—like delaying notification, skipping documents, or ignoring policy details—you can make the process far smoother.
With insurers such as Chola MS Motor Insurance, the claims process is designed to be transparent and straightforward. Keeping your policy updated, following procedures carefully, and staying informed will help you secure timely financial support when you need it most.
FAQs
- Can my insurer reject a claim?
Yes. Claims can be denied for late reporting, incomplete paperwork, false details, or damages not covered under the policy.
- Do I always need an FIR to file a claim?
No. FIRs are only necessary for theft, accidents involving injuries, or major third-party damages.
- How long does claim settlement take?
It can take anywhere from a few days to a few weeks, depending on the insurer and case complexity. Submitting complete and correct documents speeds up the process.
- Should I claim for small scratches or dents?
You can, but it’s not always advisable. Frequent claims for minor issues may reduce your No Claim Bonus.
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