Can we claim car insurance without RC

In the world of Indian roads, where chaos and order coexist, car insurance protects against the unpredictable events that every driver faces. But frequently, the question that perplexes car owners is: Can we claim insurance without the Registration Certificate (RC) in India? To simplify the puzzle of Indian insurance policies, we will navigate through the complexities.

1.What is RC?

The Registration Certificate (RC) is a primary document and legal proof that a car exists and is licensed.It holds all vital information, like the owner’s name, address, engine number, chassis number, and the car’s registration number.The RC has a pivotal role in the insurance sphere, establishing that the insured car belongs to the insured person.

Therefore, do you want to claim car insurance without this material document?The solution is in the fine print of insurance policies and the rules of regulatory agencies. To understand this subject, let us explore two main categories of car insurance policies in India: third-party liability insurance and comprehensive insurance.

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2.Third-Party Liability Insurance

In India, any car driver must have compulsory third-party liability insurance under the Motor Vehicles Act 1988.This coverage protects the insured against bodily injury or property damage inflicted on the third party because of the insured car.Remember that the car’s RC is not essential for filing the claim.

In an accident, the injured third party or the property owner can file a claim against the responsible party’s insurance company.The RC’s absence does not impede the process, as the emphasis is on compensating the aggrieved party.

Nevertheless, car owners should be vigilant because the lack of an RC could lead to the issue of proving ownership, which can negatively affect the claim settlement process.

3.Comprehensive Insurance

While basic insurance is limited in the range of coverage, comprehensive insurance, on the contrary, offers a broader range of coverage.It is not only a third-party liability but also compensates for damages to the insured car due to accidents, theft, natural calamities and many other causes.This type of policy calls for a thorough reading of the policy terms and conditions to know the consequences of not having an RC when a claim is made.

The majority of insurance firms have strict claims processing procedures for comprehensive insurance.The RC’s absence may result in delays, investigations or even the rejection of a claim.The reason is apparent: the Registration Certificate (RC) is the primary document proving the insured car’s ownership and genuineness.

Car owners should ensure that all the relevant documents are ready when buying comprehensive insurance.In case of RC loss or damage, a duly submitted copy from RTO should be obtained immediately to avoid hindrance during the claims process.

4.Regulatory Framework

The Insurance Regulatory and Development Authority of India (IRDAI), a statutory body, regulates the insurance sector in India. Its guidelines frequently highlight the significance of verifying ownership details before finalizing the claim settlement.The lack of an RC can indicate that insurance companies should investigate the subject matter closely.

It is of utmost importance for car owners to be aware of and comply with the regulatory requirements to expedite their claims process.Proceeding as per the process and keeping all the documents required, including the RC, at hand increases the probability of a smooth claim settlement.

5.Steps to Claim Without RC

While the absence of an RC may complicate the claims process, some steps can be taken to minimize the challenges:

a.Lodge an FIR

In cases of loss or damage to the RC, the First Information Report (FIR) must be filed with the local police station.This document is official proof, which can be referred to while claiming car insurance.

b.Apply for Duplicate RC

Go to the nearest RTO and make a duplicate RC application.RTO will issue a duplicate copy after verification of relevant particulars.This duplicate RC can then be used as a claim form during the claims process.

c.Inform the Insurance Company

Notifying the insurance organization as soon as possible about the accident or damage to the RC is essential.Providing all the necessary details, like the FIR and duplicate RC application, will accelerate the claim process.

Take Away

The RC certificate carries an irrefutable value in India’s refined motor insurance world.While making an insurance claim without having RC can be possible, it is not without difficulties.The type of insurance policy, the regulations and what the car owner does may all play a significant role in the claim’s success.

Owners of cars must keep documents current, especially the RC, so that the claims process can be settled smoothly.Often, in instances of theft or accident, there is an immediate need to act fast. However, the case of using car insurance without an RC may not have a clear-cut answer, but being knowledgeable and proactive about the whole experience will make the journey through the insurance maze more manageable. Being conscious car owners, let us make our way on the roads cautiously and knowledgeably to keep the insurance shield unbroken in times of most significant need.