If an accident takes place, you must report to the insurance company and submit the relevant claim forms. An estimate for repairs /replacements would also be required to submitted.

The documents to be submitted are
- Claims form
-Copy of registration certificate of vehicle and driving license of the driver
- Original / Copy of the insurance policy
-Copy of the estimated cost of repair given by the garage.
- FIR or a police report if the accident is major, or a criminal offence, or if it caused third-party damage or resulted in injuries
- Fire brigade report, if the loss is due to a fire.

Post this, typically the Insurance company will assign one of its agents to inspect the value of damage/replacement and recommend on the claim request. It is based on this report that the claim will be settled.

After repairs, the bill of the repair and replacements (parts used etc) and payment receipt from the garage should be submitted to the company to settle the claim.

The process might vary between companies- the payment could be done either directly to the work shop in the form of a cheque or the company may recommend preferred auto shops for repair (in the first place).

If a third party is involved in the accident, a FIR must be lodged immediately and at the same time a report should also be sent to the insurance company.

If the vehicle has been stolen
- file a police complaint and inform the insurer.
- If you don't get your vehicle within 90 days, obtai
n a "non-traceable report' from the police & submit to the insuring company to start the claiming process.