An accident is stressful. Knowing exactly what to do makes a huge difference. This guide walks you through the entire car insurance claim process in Pakistan — from the moment of the incident to final settlement.
If you are an SGI / Insurancewala policyholder and need to start a claim right now, WhatsApp us with a brief description and a photo of the damage.
Start your claim on WhatsAppBefore anything else — make sure everyone is safe. Move the vehicle to a safe spot if possible. Call emergency services if anyone is injured. Only when it is safe should you start documenting the incident.
Take clear photos of all damage — your car, the other vehicle(s), the road and surroundings. Note the time, location and circumstances. If there are witnesses, ask for their contact details. This documentation is critical for your claim.
Contact your insurance company or broker as soon as possible — ideally within 24–48 hours. With SGI, a quick WhatsApp message is enough to start the process. Delayed reporting can complicate your claim.
For theft, total loss or major accidents, an FIR (First Information Report) from the nearest police station is typically required. For minor accidents without third-party involvement, it is usually not needed. Your insurer will advise.
Send the required documents to your insurer: CNIC, policy number, photos of damage, driving licence, vehicle registration book, FIR (if required). With SGI, you can send all documents via WhatsApp.
Your insurer will arrange for a surveyor to inspect and assess the damage. The survey typically happens within 2–3 working days of your claim submission. Cooperate fully and make the vehicle accessible.
Once the surveyor's report is submitted, your insurer approves the claim and authorises repairs at an approved workshop, or arranges a payout for total loss or theft. Keep your insurer updated on any developments.
One of the most common questions about car insurance claims in Pakistan is whether an FIR (First Information Report) is required. Here is the general rule:
| Situation | FIR required? |
|---|---|
| Minor scratch or dent (no third party) | Usually not required |
| Accident with third-party vehicle or person | Usually required |
| Car stolen or snatched | Required |
| Total loss / major damage | Usually required |
| Fire or natural disaster damage | Usually not required |
When in doubt, contact your insurer first. They will tell you exactly what is needed for your specific situation.
| Claim type | Typical timeline |
|---|---|
| Minor damage (straightforward) | 5–10 working days after survey |
| Major damage / total loss | 2–4 weeks |
| Theft claim | 3–6 weeks (police reports and investigation required) |
Timelines can vary. The key to a fast claim is reporting quickly, submitting all documents promptly and cooperating fully with the surveyor. With SGI, you have a dedicated point of contact throughout the process.
See also: Full claims process guide →
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