1. Inform Your Insurer
If your Tata Tiago EV is involved in an accident or suffers damage, contact your insurance company right away. Most insurers provide multiple options for submitting a claim.
- Toll-Free Number: Call the customer service line.
- Mobile App: Use the insurer’s app to file and track your claim.
- Website: Submit your claim through the insurer’s online portal.
- Email: Send details about the incident to the insurer’s email.
Provide preliminary information, including:
- Date, time, and place of the incident.
- Nature and scope of the damage.
- Policy or vehicle registration number.
The insurer will give you a claim reference number, which you should write down for tracking purposes.
2. Document Submission
Gather and submit all of the documents required to process your claim. These may include:
- The car registration certificate, also known as the RC, certifies that the vehicle is owned by someone.
- Insurance policy document: to confirm all of your policy details.
- FIR (first information report): Must be filed if a case of car theft, major accidents, or other similar incidents is reported.
- Driver’s license: To prove that this vehicle was driven by an authorized person at the time of the accident.
- Claim Form: Most insurance companies can be found online or in a branch. Complete this with accurate information about the accident.
In some cases, insurance companies will also request images of the damaged vehicle and other proof of damage.
3. Damage Assessment by Surveyor
Once your claim is registered and documents are submitted, the insurer will assign a surveyor to assess the damage.
Surveyor’s Role:
- Inspects the vehicle to determine the extent of damage.
- Verifies the cause of the damage and ensures it aligns with your claim.
- Provides an estimate of the repair costs.
Make sure the car remains in its damaged condition until the surveyor completes the assessment. Do not initiate repairs before the inspection.
4. Claim Processing
After the surveyor submits their report, the insurer will process your claim.
Depending on the type of claim:
Cashless claims:
- Repairs are completed in a network garage approved by your insurer.
- The insurer will settle the bill with the garage, and you will be responsible for only the deductible and non-covered costs.
Reimbursement claims
- If you choose a non-network garage, you must pay for the repairs upfront.
- Once approved, submit the repair bills to your insurer for reimbursement.
5. Receive the Claim Settlement
- For cashless claims, you only need to pay the deductible specified in your policy.
- Reimbursement claims: The insurer will transfer the approved amount to your registered bank account.
Additional Tips for a Hassle-Free Tata Tiago Claim Process
- Understanding your policy’s inclusions and exclusions: be aware of what is covered and excluded in your insurance policy to avoid surprises.
- Keeping proper records: keep both digital and physical copies of all policy-related documents.
- Act quickly: The incident must be reported and a claim filed within the time frame specified to avoid rejection.
- Network Garage: Select a garage in the insurance company’s network. This simplifies the process and saves time.
- Add-Ons: If you purchased add-ons such as zero depreciation or engine protection, make sure they are applied during claim settlement.
