Motor Insurance Claims

Quick Claim Process Demo: SpeechBot I Reliance General Insurance

Motor insurance claims allow you to receive benefits from your motor insurance insurer for repairs or replacing damaged vehicle parts. This process provides financial help for vehicle repairs, medical expenses and injuries from accidents.

Thus, we aim to provide an easy claim-processing service that does not require you to spend too much of your valuable time.

Get the convenience of cashless claims and the assurance of reimbursements. With Reliance General Insurance’s promise, you will not have to worry about taking care of a complex claim process.

Compensation depends on your policy. For example, third-party insurance won’t cover damage to your car. To get better claim settlements, choose a plan with higher coverage. Your insurer will compensate based on the policy terms and the type of coverage you select.

Reliance General Motor Insurance Cl​​aim Procedure

Cashless Motor Insurance Claim Process

1. Register your motor insurance claims process within 24 hours of the incident. You can initiate the claim by either of the following options:

• Calling our paid helpline number +91 22 48903009
• Logging in to your Reliance Self-i App
• Visiting the Motor Insurance Claim page

1. Take your vehicle to a nearby authorised network garage to avail the cashless facility.
2. Fill out the claim form and submit it to the surveyor along with the required documents. We ensure a quick claim survey by giving a call for a survey within 48 hours of claim initiation.
3. Our surveyor assesses your vehicle for damages and claims. After confirming the liabilities, they approve or deny the claim based on their reports.
4. Once the claim has been approved, you can get the repair work done. We will then settle the claim directly with the garage without you having to pay the bills upfront.

*Note that we do not pay for the uninsured parts, deductibles or depreciation. You must settle these amounts for such repair.

Motor Vehicle Accident Insurance Claim Reimbursement Process

1. Initiate the claim with us in the same way mentioned above.
2. Collect all the evidence of the incident, such as photographs and FIR in case of third-party claims or theft.
3. Take your vehicle to any garage of your choice to get the repair work done.
4. Gather all the bills, invoices or receipts from the garage to file a reimbursement claim with us.
5. Fill out the claim form accurately, describe the incident, and provide accurate policy and vehicle information.
6. Submit all the claims with all the required documents, including bills and invoices, to get reimbursed.

Note:

With reimbursement claims, you have to settle the bills with garages from your own pockets.

If the repair is done at a non-network garage, pay in full, keep the bills and send them for reimbursement. If the amount exceeds ₹20,000, a re-inspection is required.

Details and Documents for Reli​​ance Motor Insurance Claims

You will need the following details to file a claim:

Documents Required for Motor Insurance Claims:

file charges for motor insurance claims

Note: This list is indicative. We may request additional documents or arrange for verification if needed.

Do’s and Don’ts for Register​​ing a Car/Bike Insurance Claim

Do’s:

• Notify Reliance General Insurance within 24 hours of the accident by calling +91 22 48903009.
• Provide your policy number or vehicle number when reporting the claim.
• Take the vehicle to the nearest garage or a cashless workshop authorised by Reliance General Insurance.
• Submit the driver’s licence, RC book copy, and signed claim form to the garage.
• Pay any remaining balance at the preferred or cashless garage when collecting your vehicle.

Don’ts:

• Don’t leave the vehicle unattended or unlocked, as theft of parts won’t be covered.
• Don’t drive the vehicle if it has oil or coolant leaks, as further damage won’t be covered.
• Don’t start repairs without an inspection by Reliance General Insurance.

How to Track Your Motor Insur​​ance Claim Online?

You can easily track your motor accident injury claim through the Reliance General Insurance website or Reliance Self-i App:

1. Visit our official website or log into our mobile app.
2. Enter your policy number/claim number.
3. Upload any pending documents (if any) to avoid claim rejection.
4. The portal will display your claim’s status (e.g., under review, approved, pending documentation, or rejected).
5. Check the motor vehicle insurance claim progress regularly to stay updated on any additional steps or document requests.

Claim for Different Types of Mot​​or Insurance Policies

1. Third-Party Motor Insurance Claim for Car, Bike and Commercial Vehicle Insurance

• If you are involved in an accident, file an FIR immediately. Keep a copy of the FIR or Charge Sheet when claiming third-party insurance.
• Inform us and the police promptly.
• The Motor Accident Claims Tribunal decides claims for third-party compensation.
• Compensation for personal injuries has no upper limit, while property damage has a limit of ₹7.5 lakhs.
• For minor damages, settling outside of court can save time and effort.
• Collect photographic evidence of the accident scene, injuries, and damages to support your claim.

2. Own-Damage Claims in Motor Insurance for Car, Bike and Commercial Vehicle Insurance

• Report the accident or damage to your car, bike or commercial vehicle immediately via our customer care or online portal.
• If the accident involves theft or severe injury, file an FIR and retain a copy to file a motor vehicle accident insurance claim.
• A surveyor will be appointed to inspect the vehicle's damages. No repairs should be made before the survey.
• Submit necessary documents, such as insurance policy, vehicle registration, driver’s licence and other relevant business documents.
• The extent of compensation for the damages will depend on your policy terms.
• You can claim your add-ons wherever applicable and receive a higher claim amount.

3. Comprehensive Motor Insurance Claims

A comprehensive motor claim covers both own damage and third-party liabilities. Here’s the process:

1. Notify the Insurer:

Contact Reliance General Insurance to report the damage immediately. Provide details of the incident, including the location, date, and extent of damage.

2. Survey and Assessment:

The insurer will assign a surveyor to inspect your vehicle and assess the damage. Submit all necessary documents, including the claim form, FIR (if required), RC, driving licence, and repair estimates.

3. Repair and Claim Settlement:

For cashless claims, take your vehicle to a network garage, where the insurer settles the bill directly. If you opt for reimbursement, get your vehicle repaired and submit the bills for reimbursement.

4. Claim Closure:

Reliance General Insurance will process the claim and reimburse you based on the surveyor’s report.

1. Timely documentation and clear communication with your insurer will ensure a smooth and hassle-free claim settlement.

Difference Between Cashless an​​d Reimbursement Motor Insurance Claims

You can claim your Reliance Motor Insurance in two ways: Cashless Claims or Reimbursement Claims. The aim behind both claim options is to provide compensation for hefty damage repair or replacement costs. However, they both differ in processes, convenience and documentation requirements.

Cashless claims require no upfront payment to settle the garage bills, whereas reimbursement claims compensate after your repair work is complete.

Look into the details of the two major types of motor vehicle claims to understand which suits you better:

How to Claim Motor Insurance Un​​​der Different Situations?

You may need to file a motor vehicle claim for damages caused during various situations. These include theft, accidents, own damage or third-party liabilities. While the claim process is broadly the same, different scenarios may require a different approach for filing the claim.

Here is a detailed explanation of common situations under which motor vehicle damage claims are valid:

Accidents

• In case of an accident, inform us about the incident by calling our helpline number +91 22 48903009 (Paid Number) and the police immediately.
• Get guidance from our claims team, and do not move the vehicle until we or the police instruct us to do so.
• File an FIR or Fire Brigade report, whatever is applicable to your case, and secure a copy.
• Once you receive permission to move your vehicle, you can take it to the nearest network garage or any other garage, depending on your claim preference.
• Whether you opt for cashless claims or reimbursement claims, you must initiate the claim within 24 hours of the incident's occurrence.

Theft

• If your car has been stolen, inform us and the police immediately to proceed with motor car claims. You can also lodge a complaint at the transport department.
• Register a complaint at the nearest police station and collect a copy of the FIR.
• Additionally, you will also require theft endorsement from the concerned RTO and tax payment receipt.
• Next, initiate the claim with us using the steps mentioned above.
• You will also need to submit keys or service booklets to us as part of the claim process.

Third-Party Liabilities

• In case your insured vehicle is involved in damage to third-party property, person or vehicle, ensure that you inform us and the police immediately.
• You should file an FIR at the police station, get a copy of the FIR and Charge Sheet, and collect photographic evidence.
• If you are a victim of third-party damages, ensure to get the policy details of the concerned individual.

Hit-and-Run Accidents

• If you're involved in a hit-and-run accident, report the incident to the police and us immediately and file an FIR.
• If possible, gather any available evidence, such as eyewitness statements, photographs of the scene, and vehicle damage.
• If the offender is untraceable, compensation may be claimed under the Solatium Fund Scheme of 1989, as amended by the Motor Vehicles (Amendment) Act, 2019, administered by the General Insurance Council.

Total Loss or Damage

• If your vehicle is declared a total loss (where the cost of repairs exceeds 75% of the vehicle's IDV), inform Reliance General Insurance immediately.
• A surveyor from the insurance company will be appointed to assess the damage. Ensure the vehicle remains untouched until after the inspection.
• Once the vehicle is declared a total loss, Reliance General Insurance will process the claim. The settlement amount will be based on the Insured Declared Value (IDV) of the vehicle minus any applicable deductibles.
• If you have an add-on cover, “Total Cover”, you will receive the full road price of your vehicle.

Common Reasons for Motor Insura​​nce Claim Being Rejected

Policy Exclusions:

Claims related to scenarios explicitly excluded in your policy (e.g., wear and tear, mechanical breakdown) will be rejected.

Insufficient Documentation:

Denial can result from missing or incomplete paperwork, such as repair invoices, police reports or claim forms.

Non-Disclosure of Information:

Failing to provide accurate details about your car, its use, or previous claims can lead to rejection.

Driving Under the Influence (DUI):

Motor vehicle accident insurance claims arising where the driver was under the influence of alcohol or drugs are not covered.

Expired Policy:

Claims made after the policy’s expiration date or during a lapsed period are not eligible.

Unauthorised Repairs:

If you repair your vehicle without informing the insurer, the claim may be denied.

Raising a Fraudulent Claim:

This is one of the most common grounds for the rejection of motor insurance claims. Claims arising from exaggerated damages or invalid statements result in rejection and further legal consequences.

Tips for Smooth Motor Insurance Cl​aim Procedure

Report Immediately:

Notify our insurance provider about the accident as soon as possible to initiate the auto insurance claim.

Gather Thorough Evidence:

Take photos of the damage and obtain all the necessary documents like police Charge Sheets or FIR and repair estimates.

Use Network Garages:

Opt for cashless claims at our network garages to simplify the motor insurance claim process.

Communicate Clearly:

Keep an open line of communication with us and follow our motor insurance claim team’s instructions carefully.

Follow Policy Terms:

Ensure complete compliance with all policy guidelines to avoid complications and unexpected rejections.

How to Appeal a Rejected Auto Ins​urance Claim?

Review the Reason for Rejection:

If your motor insurance claim is rejected by our claims team, we provide reasons for rejection. Review the reasons carefully and understand the missing points.

Gather Additional Evidence:

Collect any missing or additional documents, such as missing photos, receipts or third-party documents, to support your claim.

Clarify Misunderstandings:

If the rejection is due to miscommunication or lack of clarity, you can communicate with us with a letter or email to clarify the same.

Submit a Formal Appeal:

Write an official appeal letter to the motor vehicle insurers. Provide all the necessary documentation and reasons why the claim should be reconsidered.

Contact the Insurance Ombudsman:

If your appeal is not successful, you can approach the insurance ombudsman or regulatory body to review your case for further assistance.

If your issues remain unresolved or require further guidance, contact our Grievance Redressal team.

Frequently Asked Ques​tions

General

• What are the steps to take after a motor accident?

  The first thing you must do after a motor accident is inform us and the police about the incident. Move your vehicle only when they instruct you to take it for repairs. File a claim with us and complete the repair work.

• Is FIR compulsory for all types of motor claims?

  FIR is not mandatory for all claims. It is required when claiming your Reliance Motor Insurance for theft, third-party damage or severe accidental damage involving multiple vehicles.

• How is the claim settlement amount calculated?

  The settlement amount for the claim depends on the type of claim. For example, if you have made a claim against medical expenses under the Personal Accident Cover, the claim will depend on the severity.

  However, vehicle damages are calculated based on your IDV, the age of the vehicle (depreciation) and voluntary or mandatory deductibles.

Cla​​ims

• How do you track motor insurance claims?

  You can track the status of your motor insurance claim here. Simply enter your policy number or claim number to proceed.

• What should I do if my claim is rejected?

  Understand the reason for rejection, communicate the missing information or evidence with us, submit the missing documents (if any) and re-appeal for the claim.

• How much time do I have to initiate a claim after an accident?

  You must inform us about the damages and the incident within 24 hours of its occurrence.

P​olicy

• Can I claim damages from a third party under own-damage car insurance?

  No, own-damage car insurance does not offer coverage for third-party liabilities. To receive coverage for your vehicle and third-party liabilities under one policy, opt for our comprehensive car insurance.

• ​ Can I retain my No-Claim Bonus (NCB) after claiming my car insurance policy for damages?

  NCB is offered for not claiming your insurance during your policy tenure. Thus, it is not valid if you are making a claim. However, you can retain your NCB with our NCB Retention add-on cover to protect the accumulated bonus.

• Which is the best type of insurance for a new car?

  For a newly purchased car, we recommend buying a comprehensive car insurance plan to secure financial protection against various risks. This plan gives overall protection and access to our 10+ wide range of add-on covers.
  

Disclaimer: *T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale. Customer Count: The total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued. Claim Settlement Ratio: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd. ​Premium: The premium mentioned for car Insurance excludes taxes for the private car model Maruti Suzuki Alto 800 with a cubic capacity of less than 1000 cc for a 1-year Own Damage Insurance policy for an IDV of ₹2,34,728. The premium used is 2,853/year as of 1 March 2023 and then converted into a per-month basis, which gives us ₹238/month (2,853/12).