< Back



The primary purpose of buying a car insurance policy is to get coverage from the insurance company against accidental damages, car theft and losses suffered due to natural disasters. And to get a compensation for the damages to your car you must file a claim. Filing a claim is a simple process, and you must follow specific steps. However, most people tend to get overwhelmed with the whole process. So, if you are filing a claim for the first-time, the following tips will help you get through the process without any hassles.

What is own damage claim?

You can file for this type of claim for damage caused to your car due to accident, vandalism, theft or natural disasters like earthquake, flood, landslide, cyclone, etc.

No matter the cause of damage, you must inform your insurance company within 48 hours of the incident before you file a claim. This is an important protocol you must follow. After you inform the insurer about the damage to your car, they will appoint a surveyor to assess the extent of damage.

The surveyor will submit a detailed report of the damages and give an estimate of the repair cost to the insurer for approval. After the insurer approves your claim request, you can take your vehicle to any of the network garages near you for repair and get a cashless claim. In a cashless claim, you need not pay a single penny from your pocket; the insurer will directly settle the bill with the garage.

If you take your vehicle for repairs at a non-network garage, then you must apply for a reimbursement claim. Here, you must first pay the repair amount from your pocket, and submit the bills to the insurer. After verifying the bills, the insurer will then reimburse the amount within seven days.

Now that you are aware of the steps to file a car insurance claim for your own damage, here are a few important things you must remember.

• You must file a claim within the specified time limit as mentioned in your policy documents. Generally, the limit is 48 hours after the incident. However, the stipulated time for filing a claim may vary from one insurer to another.

• If you are filing a claim for accidental damage, it is advisable to take note of the third-party’s vehicle registration number.

• After the accident, try to collect as much evidence as possible to support your claim. You can click pictures or take a video of the accident site and the damages to your vehicle.

• Try to speak to a few witnesses near the accident side.

• If it is only a minor dent or scratch, it is better to avoid filing a claim as it can affect your no claim bonus.

• The insurer will reject your claim request outrightly if your policy is invalid or if you have outstanding premiums. So, to get compensation from the insurer, make sure to pay the car insurance premium on time.

• Do not move the vehicle from the spot or escape the accident site until the police arrives.

Final Word

Filing a car insurance for own damage is easy. If you know the process and follow it correctly, you can get compensation from the insurer without any hassle. At Kotak General Insurance, we have a simple online claim filing and approval process for customers’ benefit.

Disclaimer: The content provided is for education and informational purpose only, none of the information contained in our blog amounts to any form of opinion or advice. Please go through policy related documents carefully or consult an expert before making any insurance-related decisions.


Car Insurance Benefits


Benefits of car insurance

A car insurance can help you offset substantial financial loss that you may incur because of damage caused to your car

Add-on covers for Car Insurance


Must have Add On Covers for Car Insurance

A basic comprehensive car insurance covers damage to car, 3rd party liability and theft & loss of vehicle.

Car insurance


Right time to buy vehicle insurance

Buying a vehicle insurance is an important decision and you need to ensure that you make a timely purchase of vehicle insurance



Know How Car Insurance Premium Is Calculated

Car insurance premium calculation is based on various important factors. Learn about these factors.



Rules to follow for safe driving

Know About The Important Road Safety Rules To Follow





Significance of a motor vehicle insurance policy

Learn all the benefits a motor insurance policy has, aside from financial security.



Maintenance tips for car engine

Follow these engine maintenance tips and buy a car insurance with engine protection cover to keep engine secure.

Monsoon Tips Car


Monsoon Tips for Car

Simple tips to help you stay safe and keep your car moving ahead during monsoon.

What is Zero Depreciation Cover


What is Zero Depreciation Cover

Read on to understand what is zero depreciation car insurance cover and how it works.

Questions Regarding Motor Insurance Policies


Questions Regarding Motor Insurance Policies

Essential questions about motor vehicle insurance policies in India.