Owning a commercial vehicle means handling more than just its maintenance. Accidents, damages, or unexpected incidents that affect the commercial vehicles owned by the business can lead to financial stress for the business owner. However, having a reliable insurance provider like Chola MS General Insurance can significantly ease the burden. Filing a claim might seem like a daunting task, but with Chola MS, it’s a straightforward process. Here’s a step-by-step guide to help you file a claim for your commercial vehicle insurance efficiently.

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Step 1: Inform Chola MS Immediately

As soon as your motor insurance online is involved in an accident or sustains damage, inform Chola MS without delay. Prompt communication ensures the claim process starts on time and avoids complications later. You can call their toll-free helpline number or use their mobile app or website for quick registration.

Step 2: Provide Necessary Details

When reporting the incident, keep all essential details handy. Share information like:

  • Policy number
  • Date, time, and location of the incident
  • A brief description of the accident or damage
  • Details of third-party involvement, if any

Ensure the details you provide are accurate to avoid claim rejection.

Step 3: Document the Damage

Take clear photos and videos of the damage to your commercial vehicle. This visual evidence helps in strengthening your claim and assists the surveyor in assessing the extent of the damage accurately.

Step 4: File an FIR if Required

In cases of theft, major accidents, or third-party injuries, filing a First Information Report (FIR) at the nearest police station is mandatory. A copy of the FIR should be submitted during the claim process.

Step 5: Submit the Required Documents

Prepare the necessary documents to support your claim. Commonly required documents include:

  • Insurance policy copy
  • Registration Certificate (RC) of the vehicle
  • Driver’s license of the person driving the vehicle during the incident
  • FIR copy, if applicable
  • Repair bills or estimates (if repairs have been undertaken)

Ensure you have both originals and photocopies for submission.

Step 6: Survey and Inspection

Chola MS will assign a surveyor to assess the extent of the damage. The surveyor will inspect your vehicle and prepare a report. Ensure your vehicle is not moved for repairs until the survey is complete and approved.

Step 7: Choose Between Cashless or Reimbursement

Chola MS offers both cashless and reimbursement claim options.

  • Cashless Claim: Get your vehicle repaired at a Chola MS network garage. The insurer will settle the bill directly with the garage, reducing your out-of-pocket expenses.
  • Reimbursement Claim: If you repair the vehicle at a non-network garage, you can file a reimbursement claim by submitting the repair bills and receipts to Chola MS.

Step 8: Track Your Claim

Chola MS allows policyholders to track the status of their claims through their website, mobile app, or customer care helpline. Stay updated to ensure a smooth process.

Conclusion

Filing a claim for your commercial vehicle insrance with Chola MS is simple and hassle-free if you follow the right steps. From timely reporting to submitting all necessary documents, being prepared ensures a smoother experience. Whether it’s a minor repair or a major accident, Chola MS is committed to providing reliable support to get your commercial vehicle back on the road quickly.