How to File HDFC ERGO Motor Insurance Claim
HDFC Ergo offers a variety of motor insurance plans to protect your vehicle against unforeseen accidents, theft, or damage. In the unfortunate event of a claim, HDFC Ergo provides a straightforward and hassle-free process for claim settlement.
What is HDFC ERGO Motor
Insurance Claim?
This article explores HDFC
ERGO car insurance claims and HDFC
ERGO two-wheeler insurance claims including how to file a claim, what
will be the documents required, and what could be the possible reasons for
rejection of the filed claim. First,
let’s look at the types of HDFC ERGO vehicle insurance claims.
Types of Insurance Claims
HDFC ERGO Cashless Claim:
You bring your vehicle to a network garage for repairs when you file a cashless
claim. HDFC ERGO will pay the garage directly in this situation. You only have
to pay your deductible.
HDFC ERGO Reimbursement claim:
In case of a reimbursement claim for your damaged vehicle, initially, you have
to bear the expenses for the repair out of your pocket. After verification of all related documents,
the insurer will reimburse the incurred cost. In this type of claim, it is not
obligatory to get your vehicle repaired at the insurer’s network garage. You can take your vehicle to any workshop of
your choice. Be sure to maintain all the repair bills accurately.
How
to File HDFC ERGO Motor Insurance Claim
Step 1: Intimation
The insurer should be notified
right away if the bike is stolen, is involved in an accident, or is damaged in
any way. To notify the insurer, you can go to the insurer’s nearest branch or
visit the insurer’s official website.
Step 2: Submission of
Documents
Submit the required documents
online and a surveyor will be appointed to analyze the state of damages to the
vehicle. A list of documents required to register the claim is provided further
in this article.
Step 3: Survey
The insurance company's surveyor
will evaluate the damage and repair costs after the claim is filed. Any
additional costs incurred, i.e., damages to uninsured parts must be covered by
the insured.
Step 4: Claim Settlement
In case of a cashless claim, the
company will pay the approved amount directly to the network garage which will
repair your vehicle. In case of a reimbursement claim, this approved amount is
paid to the policyholder.
Documents Required for Filing
HDFC ERGO Motor Insurance Claim
·
Accurately filled and signed claim form
·
Vehicle insurance policy document
·
Registration Certificate (RC) of the vehicle
·
Driving License
·
Copy of FIR (First Information Report) if
applicable
·
Common Reasons for HDFC ERGO Motor Insurance
Claim Rejection
·
Fraud claim/ claiming wrong coverage amount
·
Falsifying facts
·
Improper functioning of the vehicle parts
·
Lack of details required to process the claim
·
Delayed claim intimation
·
Negligence on part of driver
Additional Tips for Filing an
HDFC Ergo Motor Insurance Claim:
Maintain Accurate Records:
Keep copies of all relevant documents, including the policy documents, FIR
copy, repair estimates, and communication with HDFC Ergo.
Inform HDFC Ergo Promptly:
Timely intimation of the claim is crucial for a smooth and efficient claim
settlement process.
Cooperate with the Surveyor:
Provide the surveyor with all necessary information and documents to facilitate
the assessment process.
Clarify Doubts: If you
have any questions or concerns regarding the claim process, contact HDFC Ergo's
customer care representatives for assistance.
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