LCV Claim Process Step-by-Step – Fastest Method to Get Approval

Commercial vehicles are on the road every day, so the chances of accidents or damages are naturally higher. In such situations, knowing the correct claim process ensures faster approval and minimum hassle.

Here’s a clean and simple breakdown.

Step 1: Inform the Insurer Immediately

Most insurers require notification within 24 hours.
Provide:

• Policy number

• Vehicle details

• Accident location

• Damage description

Step 2: Avoid Repairing Before Inspection

Many claims get rejected because owners repair the vehicle before surveyor inspection.

Always wait for the assigned surveyor.

Step 3: Submit Required Documents

Typically:

• RC

• Driving Licence

• Insurance Policy

• FIR (if required)

• Photos/Videos of damage

Step 4: Surveyor Inspection

The surveyor will:

• Assess damage

• Estimate cost

• Approve repair process

Step 5: Repair at Network Garage

Choose a cashless network garage for:

• Faster processing

• No upfront payment

• Guaranteed-quality repairs

Step 6: Claim Settlement

After repairs, the insurer clears payments directly with the garage (cashless) or reimburses you (if non-cashless).

Tips for Fast Approval

• Keep PUC + Fitness updated

• Provide accurate details

• Never inflate repair estimates

• Use authorized network garages