Car Insurance Clauses
There are some clauses which are a part of your car insurance that you need to aware of. You would not be able to claim for any damages occurring with the insured vehicle because of:
■ Wear and tear or general aging of the vehicle.
■ Depreciation or any consequential loss.
■ Mechanical/electrical breakdown.
■ Wear and tear of consumables like tires and tubes.
■ Insured vehicle being used for purposes other than mentioned in the limitations of usage in the agreement.
■ Vehicle being used outside the geographical boundaries of India.
■ A person driving any vehicle without a valid licence.
■ A person driving the vehicle under the influence of drugs or liquor.
■ Loss/damage encountered due to war, mutiny or nuclear risk.

Claiming Insurance
In case you are involved in an accident or you accidentally banged your car somewhere which caused some damages to your vehicle, you can claim insurance.

To claim insurance, you need to:
■ Note the licence plate number of the other vehicle involved in the accident (if any).
■ Note names and contact numbers of witnesses (if any).
■ Call the insurance company and file a claim. Make a note of the claim reference number given and the list of documents required for claim processing.
■ Check whether the insurance company has a preferred garage and make a note of the details of the same.
■ File an FIR at the nearest police station in case of property damage, bodily injury, theft, or major damages.
■ Submit the documents to the insurance company's representative and verify it with originals.
■ Make any additional payments required to the garage if the insurance company does not cover the complete the expense of the repairs.

Cashless Claims and Reimbursement Claims
With the changing features of insurance, it is possible now to get your vehicle repaired and claim for the insurance.

The first is to go through the insurance company's preferred garage and get the repairs done. The insurance company pays for the repairs minus the items not covered under the policy which is paid by the owner of the vehicle. This is known as a cashless claim.

The second way is to get the vehicle serviced or repaired at a garage of your choice and ask for reimbursement of the expenses from the insurance company. This is called a reimbursement claim.