This article explores Shriram Car insurance claims and Shriram Two-wheeler insurance claims including how to file a claim, what will be documents required, and what could be the possible reasons for rejection of the filed claim. First, let’s look at the types of Shriram Vehicle insurance claims.

Types of Motor Insurance Claims

Shriram Cashless Claim: You bring your vehicle to a network garage for repairs when you file a cashless insurance claim. Shriram will pay the garage directly in this situation. You only have to pay your deductible.

Shriram Reimbursement Claim: In case of a reimbursement claim for your damaged vehicle, initially, you have to bear the expenses for the repair out of your pocket. After verification of all related documents, the insurer will reimburse the incurred cost.

How to File Shriram Motor Insurance Claim?

Step 1: Intimation

The insurer should be notified right away if the vehicle is stolen, is involved in an accident, or is damaged in any way. To notify the insurer, you can go to the insurer’s nearest branch or visit the insurer’s official website.

Step 2: Submission of Documents

Submit the required documents online and a surveyor will be appointed to analyse the state of damages to the vehicle. A list of documents required to register the claim is provided further in this article.

Step 3: Survey

The insurance company's surveyor will evaluate the damage and repair costs after the claim is filed. Any additional costs incurred, i.e., damages to uninsured parts must be covered by the insured.

Step 4: Claim Settlement

In case of a cashless claim, the company will pay the approved amount directly to the network garage which will repair your vehicle. In case of a reimbursement claim, this approved amount is paid to the policyholder.

Documents Required for Filing Shriram Motor Insurance Claim

1. Accurately filled and signed claim form
2. Vehicle insurance policy document
3. Registration Certificate (RC) of the vehicle
4. Driving License
5. Copy of FIR (First Information Report)

Common Reasons for Shriram Motor Insurance Claim Rejection

1. Fraud claim/ claiming wrong coverage amount
2. Falsifying facts
3. Delayed claim intimation
4. Negligence on part of the driver
5. Driving without a license
6. Intoxication.