Insurance Claim: Car theft incidents are becoming common, whether you are in a small town or a big metro city, car theft can happen anywhere. In such a situation, it is not enough to be cautious, but it is also important that if your car gets stolen, you should know about the insurance claim process related to it. Recently, a person living in Ghaziabad had insured his car and was relaxed, thinking that his property was now safe. But when the real need arose, the insurance company could not live up to its trust.

Puneet Agarwal of Ghaziabad's car was stolen during his Haridwar Yatra in 2003. He made an insurance claim, but the company did not pay. After this, he filed a complaint with the District Consumer Commission. The Commission ordered the company to pay 75% of the claim amount and Rs 5,000 as compensation. This decision strengthens the rights of consumers.

Insurance claim received after 22 years.

In this case, car owner Puneet Agarwal had lodged an FIR for car theft in Haridwar. At that time, his car was insured. He immediately informed the National Insurance Company Limited and the loan provider ICICI Bank about the theft. Still, he did not get the claim, after which he resorted to the consumer forum.

In a case of car theft in 2003, Ghaziabad resident Puneet Agarwal finally got the insurance claim after 22 years. The car theft report was filed in Haridwar, and the insurance company was also informed about it, but the company did not make the payment. The person filed a case in the District Consumer Forum, where, after the hearing, the insurance company was ordered to pay ₹1,43,689 and ₹5,000 as compensation.

With the help of these steps, the insurance claim will be done soon.

Register FIR immediately after a car theft or an accident.

If your car gets stolen, then the first step is to go to the nearest police station without delay and register an FIR. This document is most important in the insurance claim process, as it proves that the car has been stolen. Keep a copy of the FIR safe, as the insurance company will need it to process the claim.

Notify the insurance company and bank on time.

When you come to know about the car theft, inform your insurance company about it without any delay. This starts the claim process. The company will ask you for some important documents, such as a copy of the FIR, vehicle papers, and insurance policy. The sooner you inform and submit the documents, the sooner the claim will be processed.

Do not forget to fill out the claim form.

For an insurance claim, you first have to fill out the company's claim form. In this, you have to give all the necessary information related to your car. Along with this form, a copy of the FIR, vehicle registration papers, driving license, insurance policy, and other documents have to be sent to the insurance company through email or post. Apart from this, it is also necessary to inform the RTO about the car theft so that the vehicle can be blacklisted.

When the police submit the non-traceable report of the car, the next process of the insurance claim begins. Under this, the vehicle owner has to transfer the registration of the vehicle to the name of the insurance company. Also, both keys of the vehicle have to be given to the company. Apart from this, a subrogation letter has to be given, which makes it clear that the company will now have the right over the car, and if that car is found somewhere in the future, the company can claim it.

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