Claims under your Cholamandalam car insurance policy would occur if there is a third party liability, if your car is damaged or if your car is stolen. At any type of claim incidence, you should follow a specified claim process. This process involves the following steps –
- Inform Cholamandalam immediately of the claim by calling its toll-free number 1800 208 5544. You can also register your car insurance claim online on the company’s website
- A police FIR would be needed if you suffer a third party claim or if the car is stolen
- In case of own damages, the car should be taken to the nearest networked garage for cashless claims
- The surveyor visits the garage and assesses the damages
- Based on the report submitted by the surveyor, the company approves the claim and the repairs begin
- You are also required to submit a set of documents for claim processing
- When the car is repaired, the company settles the claim amount with the garage and you can take delivery of the car
- In the case of third party claims, the claim is handled by the motor accidents tribunal. Depending on the ruling of the tribunal, the insurance company pays the claim
- If the car is stolen, the police try and trace the car. If the car is not found, the police issue a non-traceable report. The insurance company, then, settles your claim based on this report.