Motor insurance is a financial safety net that protects you from unexpected expenses caused by
accidents, theft, or damages to your vehicle. When such incidents occur, the next step is filing a
motor insurance claim. But did you know there are different types of motor insurance claims?
At Jisha Finserv, we make the insurance claim process simple and transparent, ensuring you
get the right settlement on time. Here’s everything you need to know about the types of motor
insurance claims in India.
What is a motor insurance claim?
A motor insurance claim is a formal request made to your insurance provider to cover the
repair costs, damages, or compensation due to an accident, theft, or third-party liability. The
insurer verifies the claim and settles the expenses as per your policy coverage.
Types of motor insurance claims
Motor insurance claims generally fall into two main categories:
1. Cashless Motor Insurance Claim
- In a cashless claim, the insurer directly settles the repair bills with the network garage.
- You don’t need to pay upfront, except for deductibles and non-covered expenses.
- Ideal for those who want a hassle-free repair experience.
Benefits:
✔ No major out-of-pocket expenses
✔ Quick repairs at network garages
✔ Smooth and convenient process
2. Reimbursement Motor Insurance Claim
- In a reimbursement claim, you pay the repair expenses first.
- Later, you submit all bills and claim documents to the insurer.
- After verification, the insurance company reimburses you as per policy coverage.
Benefits:
✔ Flexibility to choose any garage
✔ Useful when a network garage is not nearby
✔ Transparency in repair process
Types of situations covered under motor insurance claims
- Accident Claim – For damages caused due to accidents or collisions.
- Theft Claim – If your vehicle is stolen, the insurer provides compensation.
- Third-Party Liability Claim – Covers damages or injuries caused to another person or their property.
- Own Damage Claim – For damages to your own vehicle due to accidents, natural disasters, or fire.
Step-by-step motor insurance claim process
- Inform the Insurance Provider immediately after an accident or theft.
- File an FIR in case of theft or major accident.
- Submit required documents – claim form, policy copy, driving license, RC, and bills.
- Inspection and verification by insurer.
- Claim settlement through cashless payment to garage or reimbursement.
How Jisha Finserv supports in motor insurance claims
Filing a motor insurance claim can feel complicated, but with Jisha Finserv, it becomes
effortless. Our team assists you in:
- Choosing the right type of motor insurance claim
- Organizing and submitting the necessary claim documents
- Ensuring fast claim approvals and settlements
We make sure you get the maximum benefits from your motor insurance policy without
unnecessary delays.
Conclusion
Understanding the types of motor insurance claims—whether cashless or reimbursement—helps
you make the right decision during emergencies. From accident and theft claims to third-party
liabilities, being aware of the insurance claim process ensures smooth settlement.
With Jisha Finserv, you can count on expert guidance and faster claim support for all your
motor insurance claims.
