24/7 Emergency
🛡️ Insurance Claim Assistance

How to File a Motor Insurance Claim.

A step-by-step guide for every type of claim — cashless, reimbursement or third-party. And when you need a hand, the FixorAssist claims desk handles it end-to-end.

FixorAssist Claims Desk

Cashless assistance where available · claim handled end-to-end · free pickup & drop

₹0FREE · expert will call you
⚠️ Before you do anything else
1

Ensure everyone's safety

Move the vehicle to a safe spot if it's drivable and not blocking traffic.

2

Call for help

Reach FixorAssist's 24×7 Roadside Assistance for towing, on-spot repair or emergency support.

3

Inform the police

For injury, third-party damage, theft or major loss, file an FIR — mandatory for most claim types.

4

Document the scene

Clear photos of the vehicle damage, location, other vehicles and any injuries.

5

Note down details

Exchange contact + insurance info with the other party; note witnesses if any.

🚗 Types of motor insurance claims
1

Cashless Claim

Repair at a network garage without paying upfront — the insurer settles directly with the workshop.

  • Works only at in-network garages
  • Fastest, most convenient when available
  • No large out-of-pocket expense
2

Reimbursement Claim

Repair at any garage of your choice and claim the amount back from your insurer.

  • Useful when no network garage is nearby
  • You pay the repair bill upfront
  • Reimbursed after document verification
3

Third-Party Claim

Filed when your vehicle causes damage or injury to another person, vehicle or property.

  • Covers the other party's loss, not your own vehicle
  • Requires an FIR in most cases
  • Handled via MACT if contested
📋 Step-by-step claim process
1

Intimate the insurer

Report within 24–48 hrs via app, helpline or website.

2

Get a survey done

A surveyor inspects the vehicle and estimates repair cost.

3

Choose your garage

Cashless network workshop, or any garage for reimbursement.

4

Submit documents

Share the paperwork (checklist below) with the insurer / workshop desk.

5

Repair approval

Insurer approves the estimate; the workshop begins work.

6

Vehicle handover

Collect after QC. For cashless, you usually pay only the deductible.

7

Claim closure

For reimbursement, the approved amount is credited after verification.

🗂️ Documents you'll need
✓ Insurance policy copy✓ RC of the vehicle✓ Valid driving license✓ FIR copy (if applicable)✓ Repair estimate / bill✓ Claim form✓ Photos of the damage✓ Bank details (reimbursement)
💡 Tips for a smooth claim
  • Don't delay intimation — late reporting can lead to rejection.
  • Avoid unauthorized repairs before the surveyor's inspection.
  • Keep all bills & receipts — even minor costs may be reimbursable.
  • Check your NCB impact before filing for minor damages.
  • Use a trusted workshop network to avoid disputes.
🤝 How FixorAssist helps
  • 24×7 Roadside Assistance to get you to safety immediately.
  • 1,200+ multi-brand workshop network for cashless repairs across India.
  • Claim support desk to gather documents & track status.
  • Bodyshop network with warranty on workmanship.

Stuck with a claim? We'll handle it.

Share your details and our claims desk will call you — cashless assistance where available, free pickup & drop, and end-to-end support.

FAQ

Insurance Claim Questions.

How soon should I report a motor insurance claim?
As early as possible — ideally within 24–48 hours of the incident. Late intimation is one of the most common reasons claims get rejected.
What is the difference between cashless and reimbursement claims?
In a cashless claim your insurer settles the bill directly with a network garage. In a reimbursement claim you pay the workshop first and get the approved amount back after document verification.
Do I need to file an FIR for every claim?
Not always. An FIR is generally required for theft, third-party injury or property damage, and major-loss cases. For minor own-damage repairs it is usually not needed.
Can I repair my car before the surveyor inspects it?
No. Starting repairs before the insurer's surveyor inspects the vehicle can lead to the claim being reduced or rejected. Wait for the survey unless it's an emergency.
What documents do I need to file a claim?
Typically your insurance policy copy, RC, driving license, FIR (if applicable), repair estimate/bill, filled claim form, photos of the damage and bank details for reimbursement.
Will filing a claim affect my No Claim Bonus (NCB)?
Yes — filing a claim usually resets your NCB. For small damages it's often cheaper to pay out of pocket and preserve your NCB. Check the impact before you file.
What is a deductible in a motor insurance claim?
The deductible is the fixed amount you pay yourself on every claim; the insurer covers the rest. In a cashless claim you usually pay only this deductible at handover.
Can I choose any garage for repairs?
For cashless claims you must use a network garage. For reimbursement claims you can pick any garage and claim the approved amount back later.
How long does a motor insurance claim take?
A straightforward cashless claim can be settled in a few working days after survey and approval. Reimbursement claims take longer as they depend on document verification.
What is a third-party claim?
It's a claim for damage or injury your vehicle causes to another person, vehicle or property. It protects the other party — not your own vehicle — and is often handled through the MACT if contested.
Is a claim rejected if I don't have all documents?
Missing or incomplete documents can delay or reduce your claim. Keep your policy, RC, licence and repair bills ready to avoid disputes.
How does FixorAssist help with my claim?
We provide 24×7 roadside assistance, a 1,200+ multi-brand cashless workshop network, a claim support desk to gather documents and track status, and a bodyshop network with warranty on workmanship.
Is there any charge for FixorAssist claim assistance?
Claim assistance from the FixorAssist claims desk is free — our expert reaches out to guide you end-to-end. You only pay applicable repair costs / your deductible as per your policy.
Can you help if my claim was rejected?
Yes. Share the rejection details with our claims desk — we'll review the reason, help with the correct documentation and guide you on the next steps where possible.