Car Insurance Claim Without FIR – IRDAI Rules 2026 (Simple Guide)

Car Insurance Claim Without FIR – IRDAI Rules 2026 (Simple Guide)

Bhai, car accident ka stress alag hota है, aur uspe FIR ka jhanjhat? Most log ye hi poochte hain – "FIR ke bina car insurance ka claim mil jayega kya?" Good news ye है ki 2026 ke IRDAI rules me bahut clarity aa chuki है.

Car Insurance Claim Without FIR – IRDAI Rules

Aaj main tumhe simple human language me bata raha hoon ki kab FIR zaroori nahi hoti, kab FIR must hai, aur insurance company ko kaunse documents chahiye hote hain.

Kya FIR Har Claim Me Zaroori Hoti Hai?

Nahi bhai. Har case me FIR ki जरूरत nahi hoti. IRDAI ke 2026 rules ke hisab se FIR sirf specific cases me mandatory hai.

FIR Ke Bina Claim Kab Milta Hai? (2026 Rules)

• Minor accidents – jisme small dents/scratches ho
• Bumper-to-bumper city accidents
• Self-damage (slipped, hit a pole, wall, gate etc.)
• Parked car damage (unknown source)
• Glass or windshield crack

In sab cases me insurance company sirf photos, videos aur survey report se hi claim pass kar deti है.

Also read

• Car Insurance Complete Guide
• Bike Insurance Claim Rules
• Health Insurance 2025 Guide

FIR Kab Mandatory Hoti Hai?

• Hit & run accident
• Car theft (ye 100% zaroori)
• Major injuries wale accidents
• Third-party property damage
• Drunk & drive cases (claim reject bhi ho jata है)

Inme FIR ke bina company claim ko process nahi karegi.

FIR Bina Claim Kaise File Kare? (Step-by-Step)

1. Accident ki clear photos aur videos lo.
2. Car ka number plate clearly dikhna chahiye.
3. Insurance company ko call karo ya app me claim file karo.
4. Surveyor aayega aur damage check karega.
5. Repair estimate approve hote hi garage me kaam start ho jayega.

Agar tumhara zero-dep plan hai to out-of-pocket paisa bhi almost nahi lagta.

Kaunse Documents Chahiye Hote Hain?

• ID proof
• Policy copy
• RC book
• Accident photos/videos
• Surveyor report (company banati है)

Common Mistakes Jisse Claim Reject Ho Jata Hai

• Accident ke 24 hours baad notification dena
• Car ko pehle repair karwana, baad me claim file karna
• Drunk driving
• Expired policy

Bhai, claim file karne se pehle ek call company ko zaroor karna — ye life saver hota है.

Conclusion

Har accident me FIR ki जरूरत nahi hoti. Agar minor damage hai ya self-accident hai, to company sirf survey aur photos ke basis par claim approve kar deti है. FIR sirf major injury, theft ya hit-and-run me mandatory hoti है.