Car insurance is more than just a legal requirement—it provides financial protection against accidents, theft, and damages. If you have a Tata AIG car insurance policy and want to make a claim today, this guide will explain the process in detail.
Types of Tata AIG Car Insurance Claims
- Cashless Claim
Car is repaired at Tata AIG’s authorized network garage.
Insurer pays the repair bills directly to the garage.
You only pay the compulsory deductible and charges not covered.
- Reimbursement Claim
You can repair the car at any garage of your choice.
You pay the bill first, then submit all documents to Tata AIG.
The approved claim amount is transferred to your bank account.
Step-by-Step Process to File Tata AIG Car Insurance Claim
Step 1: Inform Tata AIG Immediately
Contact the Tata AIG claim support team via toll-free number or mobile app.
Provide policy number, car details, date, time, and nature of the incident.
Step 2: Keep Documents Ready
Insurance policy copy
Driving license
Car RC (Registration Certificate)
FIR (for major accidents, theft, or third-party cases)
Photos of the damaged vehicle
Repair bills (for reimbursement claims)
Step 3: Surveyor Inspection
A surveyor inspects the car before repairs begin.
In theft cases, FIR and a non-traceable report are required.
Step 4: Choose Repair Option
Cashless Garage → Get the car repaired at an authorized network garage.
Other Garage → Pay upfront and apply for reimbursement.
Step 5: Claim Settlement
Cashless claims: bills are settled directly with the garage.
Reimbursement claims: money is credited to your bank account.
Special Claim Situations
Accident Damage Claim
Lodge FIR if injury or death is involved.
Take photos of the accident site and car damage.
Inform Tata AIG quickly for faster settlement.
Car Theft Claim
Lodge FIR immediately.
Inform Tata AIG and RTO.
Submit FIR, non-traceable report, and car documents.
Receive compensation as per the Insured Declared Value (IDV).
Third-Party Claim
If your car damages another vehicle or person, a third-party claim is filed.
Claims are settled through Motor Accident Claims Tribunal (MACT).
Tips for Faster Claim Settlement
✅ Always carry insurance papers and driving license.
✅ Inform Tata AIG immediately after an accident or theft.
✅ Don’t start repairs before surveyor inspection.
✅ Keep multiple copies of bills and FIRs.
✅ Ensure your policy is active and renewed on time.
20 Frequently Asked Questions (FAQs)
- How can I register a Tata AIG car insurance claim?
You can register a claim online through the Tata AIG app, website, or by calling the customer care number. - What documents are required to file a claim?
Policy copy, RC, driving license, FIR (if applicable), and repair bills. - How long does it take to settle a Tata AIG claim?
Cashless claims are usually settled within a few days, while reimbursement claims may take a little longer. - Can I file a claim without an FIR?
Yes, for minor damages FIR is not mandatory. However, for theft and third-party cases, FIR is compulsory. - What is a cashless claim?
It means the insurer pays directly to the network garage, and you don’t have to spend money upfront except deductibles. - Can I repair my car at any garage?
Yes, you can, but reimbursement claims require you to pay first and then get reimbursed. - What is a reimbursement claim?
It means you pay the repair bills initially and later get the approved amount back from Tata AIG. - What happens if my car is stolen?
You must lodge an FIR, inform RTO, and submit required documents. Once verified, Tata AIG will pay the IDV amount. - Do I need to carry physical policy papers during a claim?
Digital copies are also accepted if available on DigiLocker or Tata AIG app. - Can someone else drive my car and still make a claim?
Yes, as long as the driver had a valid license and was driving with your consent. - Is NCB (No Claim Bonus) affected after a claim?
Yes, making a claim usually reduces or cancels your accumulated No Claim Bonus. - How many claims can I file in a year?
There is no limit, but frequent claims may increase your premium during renewal. - Do I need to pay anything during a cashless claim?
Yes, you need to pay deductibles and charges not covered under the policy. - Can I track my claim status online?
Yes, Tata AIG provides online claim tracking through its website and app. - Is towing covered under Tata AIG car insurance?
Yes, depending on your policy coverage, towing charges are included. - What if I don’t inform Tata AIG immediately after the accident?
Delays may complicate the process and even lead to claim rejection. - Can I make a claim if I was driving without a valid license?
No, claims are rejected if the driver did not have a valid license. - What is IDV in car insurance?
Insured Declared Value is the maximum compensation you get in case of total loss or theft of your car. - What if the accident happened outside my city?
You can still make a claim anywhere in India as long as you inform Tata AIG and follow procedures. - Can I cancel a claim after filing it?
Yes, you can withdraw your claim request before settlement if you decide not to pursue it.
Final Thoughts
Making a claim with Tata AIG car insurance is simple if you follow the right process. Whether it’s an accident, theft, or third-party liability, quick reporting and proper documentation ensure a smooth settlement. Always keep your policy active and drive responsibly to avoid unnecessary hassles.
