Documents Required for Filing Car Insurance Claims in Pakistan

Introduction: The Real Problem That Delays Most Insurance Claims

You’ve just been in a road accident.

Your car’s front bumper is damaged, one headlight is broken, and the side fender is badly scratched. After the initial shock wears off, you remember that your vehicle is insured under a comprehensive car insurance policy.

You feel relieved.

You contact your insurance company expecting them to guide you through the repair process — but instead, they ask you to submit a list of documents before they can proceed with your claim.

Now you’re confused.

Which documents are required?
Where do you get them?
What happens if one document is missing?

Many insurance claims in Pakistan are delayed — or even rejected — simply because policyholders fail to submit the required documentation correctly or on time.

Insurance companies rely on these documents to verify:

• The authenticity of the claim
• The cause of damage
• Ownership of the vehicle
• Compliance with policy terms

Understanding what documents are required before filing a claim can make the entire process smoother and faster.

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How Comprehensive Car Insurance Works

Comprehensive car insurance provides financial protection against:

• Road accidents
• Theft
• Fire damage
• Natural disasters
• Vandalism
• Third-party liability
• Riots or civil disturbances

Unlike third-party insurance, comprehensive policies cover both:

• Damage to your own vehicle
• Damage caused to other vehicles or property

When an insured event occurs, the claim process typically involves:

1. Notifying the insurance provider immediately
2. Submitting required documentation
3. Surveyor inspection of the vehicle
4. Repair cost estimation
5. Claim approval or rejection

Documents commonly required include:

• Copy of CNIC
• Vehicle registration book
• Driving license
• FIR (in theft cases)
• Insurance policy copy
• Claim form

Incomplete or incorrect documentation may result in claim rejection.

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Who Should Buy It?

Comprehensive car insurance is suitable for:

• New car owners
• Owners of financed vehicles
• People living in high-traffic cities like Karachi
• Drivers who park vehicles outdoors
• Owners of high-value vehicles
• Daily commuters
• Individuals living in flood-prone areas

Even minor repairs can cost thousands of rupees:

• Bumper replacement: PKR 15,000 – 40,000
• Headlight replacement: PKR 20,000 – 60,000
• Door repainting: PKR 10,000 – 25,000

Insurance helps manage these unexpected expenses.

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Benefits

Faster Claim Processing

Submitting correct documents ensures quicker claim approval.

Financial Protection

Insurance covers repair costs arising from accidents or disasters.

Theft Compensation

In case of theft, insurers may compensate based on the insured value.

Third-Party Liability Coverage

Protects you from legal responsibility for damages caused to others.

Peace of Mind

Proper documentation helps avoid claim disputes.

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Limitations

Comprehensive insurance policies usually do not cover:

• Mechanical breakdown
• Wear and tear
• Damage due to negligence
• Driving under intoxication
• Unauthorized driver use
• Commercial use of private vehicles

Failure to provide required documentation may also affect claim eligibility.

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Estimated Cost in Pakistan

Insurance premiums in Pakistan typically depend on vehicle value:

Vehicle Value	Estimated Annual Premium
PKR 10 Lakh	PKR 18,000 – 25,000
PKR 15 Lakh	PKR 25,000 – 40,000
PKR 20 Lakh	PKR 40,000 – 55,000
PKR 30 Lakh	PKR 55,000 – 80,000

Premiums vary based on:

• Vehicle make & model
• Engine capacity
• Claim history
• Geographic location

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Factors That Affect Premium

Several factors influence insurance premium rates:

• Driver’s age
• Driving experience
• Vehicle usage
• Security features
• Claim history
• Deductible selected
• Location risk level
• Type of coverage

Drivers with fewer past claims may receive lower premium rates.

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Real Example Scenario

Ahmed owns a 2020 Toyota Corolla insured under a comprehensive policy.

He meets with a minor accident on his way to work.

He files a claim expecting quick approval.

However, his claim is delayed because:

• He fails to submit a copy of his driving license
• Claim form is incomplete
• Insurance policy copy is missing

Repair estimate:

• Front bumper: PKR 30,000
• Headlight: PKR 25,000
• Fender repair: PKR 15,000

Due to incomplete documentation, claim processing takes longer than expected.

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Tips Before Buying

Before purchasing insurance:

• Review policy terms carefully
• Keep all vehicle documents updated
• Store insurance policy copy safely
• Understand claim documentation requirements
• Report claims immediately
• Ensure authorized drivers are listed
• Confirm deductible clauses
• Compare multiple insurers

Proper preparation can help avoid claim delays.

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FAQs

What documents are required for filing a claim?

CNIC, driving license, vehicle registration, insurance policy copy, and claim form.

Is FIR required for all claims?

Usually required in theft or major accident cases.

Can missing documents delay claims?

Yes, incomplete documentation may affect claim approval.

How soon should claims be reported?

Within 24–48 hours for best processing.

Does insurance cover natural disaster damage?

If included in the policy, yes.

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Conclusion

Filing a car insurance claim requires more than just notifying your insurer — it requires submitting accurate documentation within the required timeframe.

Missing or incomplete documents can lead to delays or even claim rejection.

Keeping your documents updated and understanding policy requirements can make the claim process smoother and faster.

Insurance is meant to protect you — but only when you follow the necessary procedures.

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Author Bio

Ahmad Raza is an automotive insurance researcher and financial writer with over five years of experience analyzing motor insurance policies in Pakistan.

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Sources / References

Adamjee Insurance Motor Coverage Guide

Securities and Exchange Commission of Pakistan (SECP)

State Bank of Pakistan Insurance Guidelines

Pakistan Insurance Association Reports

EFU General Insurance Motor Policy

Jubilee General Insurance Policy Terms