Top 7 Mistakes to Avoid While Filing a Car Insurance Claim in India (2025 Guide)
Published: 2025 | Category: Car Insurance Guide
Filing a car insurance claim may look simple, but even a small mistake can cause delays or rejection. If you want your claim to be processed smoothly and settled quickly, you need to avoid these 7 common mistakes.
1. Delaying Accident Reporting
The first step after an accident is to immediately inform your insurer.
- Mistake: Not reporting the accident on the same day or the next day.
- Correct Way: Inform your insurance company within 24 hours.
2. Not Filing an FIR (First Information Report)
An FIR is not mandatory in every case, but it is essential in certain situations.
- Mistake: Not filing an FIR in cases of major accidents, theft, or third-party damage.
- Correct Way: File an FIR immediately at the nearest police station.
3. Getting Unauthorized Repairs
Many people rush to a local garage for repairs right after the accident.
- Mistake: Starting repairs without informing the insurance company.
- Correct Way: Wait until the insurance surveyor inspects the vehicle before repairing.
4. Providing Incorrect Information
Submitting wrong or incomplete details on the claim form is a common mistake.
- Mistake: Giving false accident descriptions, fake documents, or misleading details.
- Correct Way: Always provide honest and accurate information.
5. Ignoring Policy Terms
Every insurance policy has its own terms and conditions.
- Mistake: Not reading the policy and being surprised later by exclusions.
- Correct Way: Read and understand the policy both while buying and claiming.
6. Claiming Under Drunk Driving / Invalid License
Insurance companies reject claims in such cases.
- Mistake: Driving without a valid license or under the influence of alcohol.
- Correct Way: Always drive responsibly with a valid license.
7. Submitting Incomplete Documents
Submitting all the necessary documents is crucial for claim approval.
- Mistake: Missing RC, DL, FIR copy, repair bills, or photos.
- Correct Way: Arrange and submit all documents immediately after the accident.
Bonus Tips for Faster Claim Settlement:
- Keep your policy number handy.
- Take clear photos of the accident.
- Prefer using a cashless garage.
- Pay your premiums on time.
FAQs
Q1. Is FIR mandatory for every accident?
→ No, it is mandatory only for major accidents, theft, or third-party damages.
Q2. Can I get my car repaired before the insurance surveyor inspects it?
→ No, if you repair before the surveyor’s approval, your claim may get rejected.
Q3. How long does an average claim settlement take?
→ Normally 7–15 working days, but it depends on documents and process completion.
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