A physical damage claim can be raised either by getting the car repaired in the insurer's network or in a non-network garage. You need to inform the insurance company about the damage as soon as possible. Then the insurer will send a surveyor to understand how much damage has occurred. The report will be assessed by the insurer and your claim will be approved or rejected. If it gets approved, then you can either opt for a cashless claim or a reimbursement claim as per your insurance company's process.