All you need to know about filing a claim for your stolen vehicle

A wise man once said, “Life is full of unexpected and surely unwanted twists and turns”. Thus, you can neither predict an event nor try to change its course. The same can be said about an accident. No matter how safely you ride your vehicle or how intrinsic the security measures you take, if an accident has to happen then it will. Sachin too met with the same fate. Sachin is your average youngster who just started working in a bank. He recently purchased a new vehicle and even took all the safety precautions, bought a car insurance policy.

It was just one of the rougher days- he was working late and had just left for the day. As he was walking towards the parking lot, he sensed that something was off. He went near the spot where he would park his car; however, today it was nowhere to be found. But he didn’t let panic take over him and the first thing that he did was to carefully analyze the situation. He checked if his vehicle was really stolen or not. Soon after confirming that his worst nightmare had come true, he went ahead and notified the police about the matter.

Later on, after lodging an FIR (first incident report), he called his motor insurance company and intimated them about the incident, as there are many insurance companies which have a set time-frame in which you have to file for a claim. He also procured a no-trace report from the police station (you need this report to file a claim for your stolen vehicle). He knew that it would take around a month to get a no-trace report from the police station. He even called-up the RTO (road transportation office) and informed them about the theft. He obtained the RTO transfer papers and other documents which are required to file a successful claim.

Later on, his car insurance company sent an agent to investigate the incident. He calmly narrated the incident to the agent and co-operated with him. After everything was done, he went ahead and submitted all the documents to his car insurance company.

The various documents that he submitted were as follows:

  • The original keys of his stolen car.
  • A duly signed claim form.
  • Copy of his driving license.
  • A copy of his vehicle’s RC.
  • The RTO documents that he had collected earlier.
  • Original FIR copy and the no-trace report that he had collected from the police station.

Although, he wasn’t able to find his vehicle; however, his car insurance claim was successful. Thus, from the example of Sachin, we learn that keeping a calm-mind goes a long way. After all, the only thing that helped him get through the whole ordeal was his wits and patience under

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