This car insurance claim process is applicable in United States, United Kingdom, Germany, Italy, Dubai (UAE), India, Japan, South Korea and generally valid for all countries worldwide. Exact rules may vary slightly by insurer and country.
🚗 Step-by-Step Car Insurance Claim Process
Step 1: Ensure Safety & Report the Incident
- Stop the vehicle immediately after an accident.
- Ensure safety of passengers and others.
- Call emergency services if required.
Step 2: Inform Police (If Required)
- Mandatory for major accidents, injuries or theft.
- Police report is required in many countries like US, UK, Germany, India and UAE.
Step 3: Notify Your Insurance Company
- Inform your insurer immediately or within 24–72 hours.
- Claims can be filed online, via app, phone or insurance office.
Step 4: Submit Required Documents
- Insurance policy copy
- Driving license
- Vehicle registration certificate
- Police report (if applicable)
- Photos or videos of damage
Step 5: Vehicle Inspection / Survey
- Insurance company appoints a surveyor.
- Surveyor inspects damage physically or digitally.
- Repair estimate is approved.
Step 6: Repair Approval & Repair Work
- Choose authorized or preferred garage.
- Cashless repair available in many countries.
- Self-payment + reimbursement in some cases.
Step 7: Claim Settlement
- Insurer pays garage directly (cashless).
- Or reimburses you after repair completion.
- Deductibles and exclusions may apply.
🌍 Countries Where This Process Applies
This claim process is commonly followed in: US, UK, Germany, Italy, Dubai (UAE), India, Japan, South Korea and similar systems are used globally.