In This Post
Claim Car Insurance in Pakistan
Things to Remember
Important Documentation
After becoming a car owner, one of the first things you should do is to apply for car insurance in Pakistan. According to the latest traffic laws, it has become a mandatory requirement for vehicle owners in the country to at least have third-party liability car insurance. This insurance protects you from any financial risks that could incur if you accidentally cause damage to any public or private property. There are also other types of auto insurance policies in Pakistan, providing you with monetary coverage for incidents like car accidents, theft, and damage caused to your vehicle due to natural calamities.
Needless to say, to rightfully claim any of the aforementioned insurance coverages, you may need to go through a certain procedure. So, to appropriately educate you on the process of how to claim car insurance in Pakistan, we’ve come up with this blog. Here we are going to put together a step-by-step guide on the subject detailing all the necessary conditions and requirements.
Here we go!
How to Claim Car Insurance in Pakistan: Step-by-step Process
If you have met an accident and don’t know how to claim a car insurance policy in Pakistan, then here are some important steps you should follow:
- First thing first, when you are about to apply for car insurance in Pakistan, make sure you have read all of its terms and conditions. Find out what and what not is covered in case you need to file a car insurance claim.
- In case of an accident, after making sure everyone’s safe, the very first thing you should do is to call your car insurance company and notify them.
- You may be required to give them your policy number for verification.
- After verification, they may either ask you to take your car to one of their authorised service centres or you can pick any of your nearest workshops at your convenience.
- In the next step, they’ll send a surveyor your way, someone who will survey and verify the damage caused to your vehicle. They will then prepare a report including pictures of damaged parts and the total cost of repairs.
- The surveyor report may also recommend the repairs and replacements needed in the damaged part of your car.
- You may also need to show your car insurance policy documents at the workshop.
- The surveyor will also verify your car insurance policy documents before moving ahead with any process.
- This is how to file a car insurance claim in Pakistan.
Note: The car insurance companies in Pakistan give you two options in terms of reimbursements. You can either pay for the repairs of your car instantly after the surveyors complete their job. The payment will then be reimbursed by the car insurance company.
Otherwise, if you don’t want any extra out-of-pocket expenses, you can wait for the completion of the process. Once the process is done, your car insurance company will directly pay the workshop for the repairs.
Some important things to remember when claiming your car insurance in Pakistan are discussed in the next section of our blog.
Things to Remember When Claiming Car Insurance in Pakistan
So far in this guide on how to claim a car insurance policy in Pakistan, you have learned about all the important steps of the process. Now, let’s take note of things you need to be careful about while going through the process.
- When you’re calling the insurance company after the accident, you need to give them every important information. For instance, details regarding your accident. You need to specifically tell them about your location if your car is not in a drivable condition. This is to timely avail the towing assistance.
- You may also need to lodge the First Information Report (FIR) in both hit and run and car theft cases. This requirement may also vary from case to case in different auto insurance policies in Pakistan.
- If you want to claim car insurance against the incident of car theft, you may also have to provide CCTV camera footages, if there are any. On a side note, here are some useful tips on how to keep your car from getting stolen.
- Don’t get the car repaired without informing the car insurance company as it may null your car insurance claim. Also, wait for the surveyor to finalise the report.
- Payments from car insurance companies in Pakistan can either be made in the form of cash, online transfer, bank drafts, or cheques. You may also select your preferred mode of payment for the insurance of a car in Pakistan.
Further in our guide on how to file a car insurance claim in Pakistan, we’ll take a look at the necessary documentation in this regard.
Documents Required to Claim Car Insurance in Pakistan
For claiming car insurance in Pakistan, the mandatory documents are as follows:
- Show your original driver’s license and submit its photocopy
- Present the documents verifying your car insurance policy
- Show your original Computerised National Identity Card (CNIC)/Smart Card
- Original slips or receipts of any payments you have made for reimbursement. This is a mandatory condition in the case of insurance of damaged cars.
- Copy of FIR and any other pieces of evidence in case of car theft as well as hit and run accidents.
These are all the necessary documents required to claim car insurance in Pakistan. Try to present and submit all the required documents depending on your case. It is very important if you don’t want to face any complication in the process of filing a car insurance claim. Also, note that different car insurance companies in Pakistan may require different documents.
Note: Read this blog if you want to learn all about different types of car insurance policies available in Pakistan including their rates. It will help you to get the best car insurance rates in Pakistan. The names of some trustworthy car insurance companies in Pakistan include EFU General, State life Pakistan, IGI Insurance, Jubilee Insurance, Adamjee Insurance, and Askari Insurance Company Ltd.
Now that we have given you all the important information on how to claim a car insurance policy in Pakistan, it’s time for us to wrap up this post. We hope it will help you easily get through the process of filing a car insurance claim. Feel free to ask us any questions at blog@zameen.com. We’ll try to respond to your emails as soon as possible.
In the meantime, you can also take a look at our blogs on the car loan application process, vehicle verification process, and how to check your vehicle registration online in Pakistan.
Keep reading Zameen Blogs for more informative lifestyle guides and real estate pieces. Keep a track of our latest updates by subscribing to our email newsletter. To do so, simply fill in the subscription box displayed on your screen.
