So I will take example of my own incident where I had claimed it from my insurance company that is New India Insurance.
Friends recently had a met an accident with a bike fortunately the rider and myself both of us have not received any serious injury, but it has badly damaged the front portion of my car.
I reached my home town and visited the show room. I have been told that repair will cost approx 20K. So I decided to claim it from insurance company. The process I had followed is mentioned below.
Intimate the Insurance Company :-
I have called the insurance company and registered my request. over phone regarding the accident , I have been asked regarding the place of accident. And where the vehicle is , what is the loss of the third Party etc. In my case there was no loss of the third party.
Appointment With Surveyor:-
Surveyor has visited the same day and taken photos from all angles of the car asked a bunch of question from regarding how the accident happened what is the loss of the third party.Whether I have registered any FIR etc. In My case I have not Registered any FIR as it was a minor accident and by the time would have parked my vehicle near by the road and approached that person he had runaway from there.
He has checked all important documents like driving licence , insurance and registration certificate. and matched the vehicle engine no. etc.
Surveyor Approved the claim the very day he has visited. for survey post checking all he documents.
Claim Amount Disbursal:-
My car got repaired post his approval. I had paid the entire amount to garage. After seven days the amount got disbursed to my bank account.I have been charged Rs 1200 for file charges and the amount was adjusted with the claimed amount.
Screenshot of transaction/ the received amount
Things to remember:-
Its always recommended to file a FIR even in case of a minor accident you never know other person may file one against you, and if you will not do the same you might lose big.