How To Claim Car Insurance For Scratches India 2023

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How To Claim Car Insurance For Scratches India
How To Claim Car Insurance For Scratches India
How To Claim Car Insurance For Scratches India

As a car owner, you understand that the road can be a treacherous place, and no matter how carefully you drive, your car is bound to get scratched. If you have comprehensive or own-damage car insurance, you may wonder whether it covers the cost of repairing those irritating scratches. In this article, we will explore the process of claiming car insurance for scratches in India and provide you with valuable insights to help you make informed decisions.

How To Claim Car Insurance For Scratches India
How To Claim Car Insurance For Scratches India

Does Car Insurance Cover Scratches?

Yes, comprehensive or own-damage car insurance covers the cost of repairing the scratches on your car. These policies protect you against various damages, including scratches, dents, and painting repairs, caused by accidents, vandalism, or natural disasters.

The Difficulty of Daily Commuters

As a daily commuter, you are well aware of the challenges that come with navigating busy roads. Scratches on your car can happen despite your best efforts to drive carefully. It’s frustrating to see your vehicle’s appearance marred by these minor damages. Fortunately, car insurance is there to provide financial support during such instances.

How to Claim Car Insurance for Scratches India

Now that you know car insurance covers scratches, let’s delve into the process of making a claim:

Step 1: Visit an Authorized Service Center or Workshop

In the unfortunate event of your car sustaining scratches, the first step is to take your vehicle to an authorized service center or workshop. These professionals will guide you through the claim process and assist in filling out the necessary forms.

Step 2: Filing the Insurance Claim

With the help of the service center or workshop staff, fill out the required forms to initiate the insurance claim. Provide all the necessary details about the scratches and any other damages your car might have suffered.

Step 3: Paying the Insurance Claim Fee

After submitting the claim form, you may need to pay an insurance claim fee. Typically, this fee ranges between β‚Ή1000 to β‚Ή2000. Keep the payment receipt safe, as it will be required for further processing.

Step 4: Car Inspection by the Insurance Company

The insurance company will send an inspector to assess the extent of the damages to your car. They will determine if the claim is eligible for coverage based on their evaluation.

Step 5: Approval or Disapproval of the Insurance Claim

Based on the inspector’s report, the insurance company will either approve or disapprove the insurance claim. If approved, the next steps will be taken to proceed with the repair process.

Step 6: Repairing Your Car

Once the claim is approved, the workshop or service center will proceed with the repairs. The insurance company will cover the cost of repairing the scratches, dents, or painting, as per the terms of your policy.

Step 7: Receiving Your Car

After the workshop has successfully fixed your car, the insurance company will settle the repair cost with the workshop. You can then collect your car and drive it home, looking as good as new.

Is It Worth Claiming Car Insurance for a Scratch?

While car insurance covers scratches, it may not always be worth making a claim for minor damages. Filing a claim for small scratches can lead to an increase in your overall car insurance premium in the future. It’s essential to consider the cost of the repair against the potential increase in your premium before making a decision.

Tips for a Successful Car Insurance Claim for Scratches

  • Act Quickly: Report the scratches to your insurer promptly to avoid claim rejection due to delayed reporting.
  • Maintain Records: Keep records of all communication with the insurance company, including emails and phone calls.
  • Choose Authorized Repair Shops: Opt for authorized workshops or garages recommended by your insurer to ensure quality repairs.
  • Be Honest: Provide accurate and honest information during the claims process to avoid any complications later.

We have provided a dedicated article that offers comprehensive information about Ban on the Modification of Cars2023.Β For the further details, we recommend referring to our article.

2023 Ban on the Modification of Cars & Negative Impact. Explained

For More Information About Total Car Insurance Claim Process check Policy bazaar

car insurance companies

ICICI Lombard General Insurance ICICI Lombard is one of the leading car insurance providers in India, known for its wide network of garages for cashless repairs and excellent customer service.
HDFC ERGO General Insurance HDFC ERGO offers comprehensive car insurance policies with a range of coverage options and quick claim settlement process.
Bajaj Allianz General Insurance Bajaj Allianz provides car insurance with add-on covers and benefits, and they have a good reputation for their customer support.
TATA AIG General Insurance TATA AIG offers car insurance plans with innovative features, including consumables cover and emergency assistance services.
Reliance General Insurance Reliance General offers car insurance with various add-on covers and a seamless claim settlement process.
New India Assurance New India Assurance is a government-owned insurance company and is one of the oldest and most reliable insurance providers in India.
United India Insurance United India Insurance is another government-owned company with a strong presence in the car insurance market, offering comprehensive policies at competitive rates.
National Insurance National Insurance provides car insurance policies with extensive coverage and quick claim processing.
Oriental Insurance Oriental Insurance offers car insurance plans with a wide range of add-on covers to enhance the protection for your vehicle.
Future Generali India Insurance Future Generali provides car insurance policies with unique features like round-the-clock roadside assistance and cashless claim settlement.

In conclusion, car insurance in India does cover scratches, along with other damages. If your car suffers scratches or minor dents, follow the outlined process to claim insurance and get your car repaired hassle-free. However, before making a claim, weigh the cost of repair against the potential rise in your insurance premium. Remember, insurance is there to provide financial protection, but prudent decisions will ensure you get the most out of your policy.


Q1.Will my car insurance cover scratches in India?

Yes, comprehensive or own-damage car insurance covers scratches on your car.

Q2.How do I claim car insurance for scratches?

To claim insurance, take your car to an authorized service center, fill out the claim form, pay the claim fee, and get the damages inspected by the insurance company.

Q3.Is it worth claiming car insurance for minor scratches?

No, claiming insurance for minor scratches may lead to higher premiums in the future, so evaluate the repair cost and potential premium increase before making a claim.

Q4.What does comprehensive car insurance cover?

Comprehensive car insurance covers damages caused by accidents, natural disasters, vandalism, theft, and more.

Q5.Does car insurance cover painting repairs?

Yes, car insurance can cover the cost of painting repairs if your policy includes comprehensive coverage.

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