Helping a client through a motor claim is the moment that creates a lifetime customer - or loses one.

Own Damage (OD) Claim Flow

Step 1: Inform insurer within 24 hours. Step 2: File FIR if applicable. Step 3: Surveyor visits. Step 4: Insurer approves estimate. Step 5: Cashless workshop release. Total: 7-14 days.

Third Party (TP) Claim Flow

TP claims go through Motor Accident Claims Tribunal (MACT). TP claims can take 6 months to 3 years depending on complexity.

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Total Loss / Theft

If repair cost exceeds 75% of IDV, it's a total loss. Insurer pays IDV minus salvage.

Agent Checklist for Every Claim

Inform insurer within 24 hours, collect FIR, photographs, RC, DL, policy schedule, premium receipt, claim form, repair estimate.

FAQ

Within 24 hours of the incident.

FIR, RC, DL, policy schedule, premium receipt, claim form, photographs, repair estimate.

Cashless: workshop bills insurer. Reimbursement: client pays, insurer reimburses.

Typically 30-60 days.

Yes - every claim has a CRN, status timeline and document upload.