Cashless Workshops/Garages for nic in KARNATAKA

How Does The Cashless Claim Process In Car Insurance Work?

Follow these steps for a seamless cashless claim process -

1. In the case of an accident, you must immediately contact the insurance company and disclose the accident details to them.
2. You will have to provide the insurance company with the complete details of the accident and the garage address where the vehicle will be taken for repair. If there is a death or third-party involvement, the insurance company will also request an FIR.
3. Once the insurance company receives all the required information, it will send a surveyor to check the vehicle's condition at the garage where the vehicle is being repaired.
4. Following the inspection and approval of the surveyor, the garage can commence the repair work on the vehicle.
5. The surveyor will need a few documents from you which will include
• A copy of the RC
• A copy of your driver’s license
• A copy of ID proof
6. You will also need to sign a few documents which are:
• Claim form
• Satisfaction Voucher (a written consent taken from the insured prior to the release of the claim payment to confirm his/her satisfaction towards their vehicle repairs)
• Discharge Voucher (Discharge voucher is taken at the time of claim settlement. The form states the amount that will be payable to the customer and they have to acknowledge the amount by signing the form).
7. The garage will hand over the repair bill and invoice directly to the insurance company once the work is completed.
8. After deducting depreciation charges and deductibles, the insurance company will settle the claim amount to the garage.