Whether it’s a minor dent or a major accident, filing a motor insurance claim is the first step to recovering repair costs. In 2025, IRDAI and insurers have streamlined the claim process with digital tools and faster approvals.
This guide will walk you through the cashless and reimbursement claim processes for cars and bikes in India.
Types of Motor Insurance Claims
- Cashless Claims
- Repairs at insurer’s network garage.
- Insurer pays directly to the garage.
- Policyholder only pays deductibles.
- Reimbursement Claims
- Repairs at any garage (network or non-network).
- Policyholder pays first, then submits bills.
- Insurer reimburses later after verification.
Step-by-Step Claim Process in 2025
Step 1: Inform the Insurer Immediately
- Call customer care or log in via insurer’s app.
- Provide policy number, vehicle details, and accident description.
Step 2: File an FIR (if required)
- For major accidents, theft, or third-party damages.
- Keep FIR copy safe for claim submission.
Step 3: Submit Documents
Typical documents required:
- Insurance policy copy
- RC (Registration Certificate)
- Driving License
- FIR (if applicable)
- Repair bills (for reimbursement)
Step 4: Vehicle Survey
- Insurer sends a surveyor to inspect the damage.
- In 2025, many insurers now allow photo/video uploads for faster approval.
Step 5: Repair & Settlement
- For cashless: Garage bills insurer directly.
- For reimbursement: Submit bills → insurer pays back within 7–10 days.
Common Mistakes to Avoid
- Delaying claim intimation – may cause rejection.
- Repairing before survey – claim may get reduced.
- Using an expired policy – invalid claim.
- Not disclosing modifications – can void policy.
Case Study: Arjun’s Car Accident Claim
Arjun, a 32-year-old from Bangalore, had a major accident in 2025. Thanks to digital uploads, his insurer approved a cashless claim within 48 hours. Repair cost: ₹1.5 lakh. Arjun only paid ₹4,000 as deductibles.
Lesson: Following the claim process properly ensures hassle-free settlement.
Quick Infobox: Claim Timeline in 2025
| Step | Timeline |
|---|---|
| Claim Intimation | Within 24 hours of accident |
| Surveyor Visit | Within 48 hours |
| Cashless Claim Settlement | 5–7 days |
| Reimbursement Claim Settlement | 7–10 days |
Why This Matters
In 2025, insurers in India are prioritizing speed and digital ease. By following the proper steps, you can avoid rejections and get your claim settled quickly.
Next, read: Common Motor Insurance Frauds and How to Avoid Them
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