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0 Tata AIG Car Insurance Benefits Online Quotes, Renewal and Review : In 2001, TATA AIG General Insurance Company Limited opened for business. A trusted Indian multinational company called Tata Group and an American company called American International Group joined forces to start the company. Getting together has paid off because, ever since it started, the company has been making new products to meet the needs of its customers in general insurance.
TATA AIG General Insurance Company offers individual and business customers a wide range of products, such as home, travel, motor, car, two-wheeler, health, etc. All of these products are made to meet the needs of businesses and their customers. The company has many offices, agents, and brokers to make its operations more widespread.
Types of TATA AIG General Auto Insurance
The three types of car insurance plans offered by TATA AIG General Insurance Company Limited are:
- Third-Party Auto Insurance: The third-party car insurance policy pays for any damages or losses you cause to a third party’s vehicle, property, or life, as well as any legal costs and repair costs.
- Own-Damage Auto Insurance: As the name suggests, own-damage car insurance protects against costs that might come up if you damage your car.
- Comprehensive auto insurance: A full-coverage car insurance policy pays for damage to other people’s cars and damage to your car. Comprehensive car insurance also covers legal costs and expenses if you kill or hurt someone. Personal accident coverage is also available to cover the car owner-losses driver if they get hurt or die.
Benefits of TATA AIG Car Insurance
When you buy a policy from TATA AIG General Insurance Company, you get these benefits:
- Digital Presence: The company’s online presence is strong. Car insurance policies are easy to buy or renew for customers. The whole thing happens right away and very quickly. There are many ways to help yourself, such as renewing, registering claims, downloading policy documents, etc.
- Protection: The car insurance policy protects the insured vehicle in case it gets damaged, stolen, or lost.
- Cashless Garage: The company has a large network of cashless garages, which makes it easier for car owners to get repairs done without cash. The company works with more than 7500 garages that don’t take cash.
- Help for customers: A dedicated customer service team is available 24 hours a day, seven days a week.
- Instant Processing: The process of getting a policy is quick and easy. Customers can easily sign up for car insurance through websites and in-person channels.
What Does TATA AIG’s Car Insurance Cover?
The TATA AIG Car Insurance Policy pays for the subsequent damage or loss to the insured vehicle that happened in the scenario described:
- Accident-related damages or losses
- Damages to the insured car caused by theft or break-in
- Damages caused by a fire, explosion, or a spark that started on its own
- Damages are caused by natural disasters like earthquakes, fires, floods, cyclones, typhoons, hailstorms, frost, etc.
- Act of war or terrorism
- Do something bad
- Landslide or rockslide damage
What does TATA AIG’s car insurance not cover?
- The TATA AIG Car Insurance Policy does not cover the damage or loss in the following situation. Exclusions are the types of damage that aren’t covered. It’s important to know the details of the things that aren’t covered by your car insurance because that will tell you how much coverage you have. Here are the things that the TATA AIG Car Insurance Policy does not cover.
- Damages were done to the car while the driver was high on drugs or alcohol.
- Damages did to the car while it was being driven without a valid license or with NO license.
- Damages happen when a private car is used as a taxi or for risky activities like racing, speed testing, etc., or when it is used in a way that goes against the rules about how it can be used.
- Damages to the car that happened outside of the area.
- Claims that come from a breach of contract
How to Apply for TATA AIG Car Insurance Plan?
People who want to buy a TATA AIG General Car Insurance Policy can do so in one of two ways:
- Offline Channel: Customers can apply for car insurance offline by going to the office or branch of the insurance company. The TATA AIG General Insurance Company is present in many places in India. Customers can use the “Branch Locator” tool on the official website to find the closest branch office and do what they need to do there. You can also apply for car insurance by giving the company’s agents or partner brokers all the necessary documents.
- Online Channel: Customers can also use an online channel to apply for the TATA AIG Car Insurance Plan. Customers can get car insurance right away and from the comfort of their own homes with just three clicks. Customers can go to the official website, enter information about their vehicles, and get instant quotes for premiums. If they like the quotes, they can buy the insurance by paying the premium with a credit card, debit card, or net banking facility.
The Tata AIG Automobile Insurance Claim Method
After an accident, the first thing to do is file a claim with TATA AIG General Insurance Company. The insurance company has a quick and easy process for paying out claims. The company pays out claims in two different ways:
- Cashless Claim Settlement: In this case, the person who owns the car doesn’t have to pay anything for the repairs. If the car is damaged or stolen, the owner has to take it to the network garage to get it fixed. Once the repairs are done, the insurance company pays the bill directly to the network garage. The TATA AIG general insurance company has a large network of garages that don’t take cash. This makes it easier for customers to get their cars fixed without cash.
- Reimbursement Claim Settlement: In a reimbursement claim settlement, the car owner must pay the repairs bill first and then send the insurance company the necessary paperwork to get the money back.
The claim settlement process involves the following steps:
- Contact your insurance company: If your car is in an accident, stolen, damaged, or lost, you should contact your insurance company as soon as possible. Customers can call the toll-free number to start getting in touch.
- Register Claim: A claim representative from the insurance company will contact the car owner within 48 hours of being told about the accident or mishap to get all the details. The representative will show you how to fill out the claim form.
- Visit from the surveyor: The insurance company sends a licensed surveyor to find out how bad the damage is. In a cashless claim process, the surveyor can either go to the scene of the accident or the network garage. But if a reimbursement claim is being processed, the surveyor will look at the car where the accident happened. Until then, the car can’t be moved to the garage.
Claim settlement: As we’ve already said, the insurance company will send the payment directly to the network garage if the claim is settled without cash. In the case of a reimbursement claim, the company will process the documents they receive and then put the invoice amount in the car owner’s bank account. After all the required documents have been received and checked, the claim will be paid out.
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