HDFC ERGO Car Insurance is a comprehensive car insurance policy that provides complete coverage against any kind of loss or damage to your car. The policy covers both financial losses incurred due to an accident and also covers third party liabilities. It is important to understand the HDFC ERGO car insurance claim process, in case of an accident.
Steps to File an HDFC ERGO Car Insurance Claim
In case of an accident, the process of claiming an HDFC ERGO car insurance policy is fairly simple. Here are the steps that you need to follow:
Step 1: Register a claim
The first step in the HDFC ERGO car insurance claim process is to register a claim. You can register a claim by calling the HDFC ERGO customer care number 1800 2700 700 and informing them about the accident. You can also register a claim on the HDFC ERGO website by filling out the necessary details. Once the claim is registered, a surveyor will be sent to inspect the damaged car.
Step 2: Submit the documents
Once the claim is registered, you need to submit the necessary documents to HDFC ERGO. The documents required include the registration certificate of the car, insurance policy, original repair bill, original estimate of repairs, etc. You can submit the documents either online or offline, as per your convenience.
Step 3: Surveyor inspects the car
Once the documents are submitted, a surveyor appointed by HDFC ERGO will inspect the car and assess the damage. The surveyor will also verify the documents that have been submitted. After the inspection and verification are complete, the surveyor will submit a detailed report to HDFC ERGO.
Step 4: Claim settlement
Based on the surveyor’s report, HDFC ERGO will decide on the claim amount. The claim amount will include the cost of repairs, any third-party liabilities, etc. Once the claim amount is finalized, HDFC ERGO will pay the claim amount to the policyholder. The claim amount will be paid either through cash, cheque or online transfer.
Step 5: Repairs
Once the claim amount is paid, the car can be taken to the nearest authorized garage for repairs. The garage should be authorized by HDFC ERGO and the repairs should be done as per the surveyor’s report. After the repairs are completed, the policyholder should submit the repair bill and the surveyor’s report to HDFC ERGO for reimbursement.
Conclusion
The process of claiming an HDFC ERGO car insurance policy is fairly simple and straightforward. All you need to do is register a claim, submit the documents and wait for the claim amount to be paid. Once the claim amount is paid, the car can be taken to the nearest authorized garage for repairs. After the repairs are completed, the policyholder should submit the repair bill and the surveyor’s report to HDFC ERGO for reimbursement. So make sure you understand the HDFC ERGO car insurance claim process before you buy a car insurance policy.
