Motor Claim

Notify the Company

The first step in the claim process is for the policyholder (known as “the insured”) to notify the Company about loss. The insured can contact the insurance agent, who will then notify the company or the insured may notify the company directly. In either method insured will be expected to provide some basic information: When the loss occurred; The Policy number, the names and contact information of the people involved (if the loss was an accident involving another person); a description of what happened; whether anyone was injured; a description of any property that was damaged; and locations where the claim surveyor can inspect the damaged property along with the contact number of the person (Insured or someone acting on behalf of insured).

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Coverage Decision

When the surveyor has gathered sufficient information, he will make a final determination as to whether coverage applies, if he concludes that coverage applies, he will develop an estimate.

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Payment

When an agreement is reached, the company will issue payments. These can go directly to the insured, to the repair shop or contractor doing the work, to health care providers, or to vendors. Once the company has made all agreed-on payments and the insured or injured person has signed a release, the claim surveyor closes the claim process.

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In Case Of Motor Claim

• Complete policy number
• Insured Name and contact number
• Name of the driver driving the vehicle at the time of accident
• Place of accident
• Vehicle registration number
• Vehicle type & model
• Brief description of accident
• Date and time of accident
• Current location of the vehicle
• Move the vehicle to garage and we will depute the surveyor to assess the loss. Surveyor will get in touch with you.

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Kindly Note:

• Shift the vehicle safely to the side of the road to avoid further damage or and intimate UIL Office for further advice.
• Surveyor will inspect the vehicle at workshop .It is advisable to be present in workshop during surveyor’s visit.
• Provide requisite document to surveyor as mentioned above. Please furnish original documents for verification wherever required.
• In case where vehicle is being repaired at UIL approved Workshops the payment will be made directly to the workshop and insured has to bear the difference amount as per policy conditions.
• Information about the approved claim amount and deductions on account of depreciation/excess if any will be made available to the garage before delivery of the vehicle. Insured may ask for the same from repairer.
• For all workshops except UIL approved Workshops, you are required to settle the bill with workshop and submit bills along with receipt to the UIL for claim settlement as per surveyor report.
• Submit bill to the UIL office for claim settlement as per surveyor report.
• Claim settlement will take approximately 30 days from the date of submission of final document(s), provided all document(s) are in order.

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Note:

• Terms and conditions of policy apply.
• In case the insured is hospitalized, kindly collect all the hospitalization documents at the time of discharge.
• Submit the claim documents to UIL office for claim processing within 7 days of completion of the treatment.
• Claim settlement will take approximately 7 days from the date of submit of final document, provided all document are in order.

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