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ramanrao60
20-07-2010, 04:01 PM
1. After you submit your claim form and the relevant documents, the insurer appoints a surveyor to inspect your vehicle and submit his/her report to the insurance company. You also get the details of the surveyor's report. In case of major damage to the vehicle, the insurer arranges for a spot survey at the site of accident.

2. You can undertake repairs only on completion of the survey. Once the vehicle is repaired, you submit duly signed bills/cash memos to the insurance company.

3. Some companies have the surveyor re-inspect the vehicle after repairs. In such a scenario, you pay the workshop/garage and obtain a proof of release document (this is an authenticated document signed by you to release the vehicle from the garage after it is checked and repaired).

4. Once the vehicle has been released, you then submit the original bill, proof of release, and cash receipt from the garage to the surveyor. The surveyor sends the claim file to the insurance company for settlement along with all the documents.

5. Finally, the insurance company reimburses you.

scottgayle
16-05-2011, 10:32 AM
Car insurance gives you the opportunity to feel secured as you are driving around. Not many people understand the significance of car insurance. However, car insurance is more important than what you think. In times of needs, it's very comforting to know that we have someone or something to hold on.

herbaltea
11-07-2011, 10:18 AM
As per my knowledge, a vehicle insurance is one of the most sought after insurance plan that meets the needs of people in case of accidents. It is even more important to get auto insurance coverage if you own a business that requires you to transfer goods everyday from one place to another.

rose.p
24-10-2011, 01:21 PM
It depends on what insurance you hold whether third party or comprehensive insurance. you just need to claim to insurance company about the expenses you incurred in regards with the repairs of your vehicles And it is not advisable to claim insurance for small amount or damage as the more you claim insurance lesser the valuation of your vehicle.

ramanrao60
24-10-2011, 02:09 PM
These days you have cash less claim method wherein you need to approach the enlisted workshop for repairs,who will not charge you any cash but claim the amount directly from insurers on your behalf.
This is hassle free
When you claim insurance for small claims, you loose no claim bonus at next renewal, which can be a tidy sum.
So you need to balance the two conflicts, amount of claim vs no claim bonus loss.

dreamboxhd
02-11-2011, 09:50 AM
1. After you submit your claim form and the relevant documents, the insurer appoints a surveyor to inspect your vehicle and submit his/her report to the insurance company. You also get the details of the surveyor's report. In case of major damage to the vehicle, the insurer arranges for a spot survey at the site of accident.

2. You can undertake repairs only on completion of the survey. Once the vehicle is repaired, you submit duly signed bills/cash memos to the insurance company.

3. Some companies have the surveyor re-inspect the vehicle after repairs. In such a scenario, you pay the workshop/garage and obtain a proof of release document (this is an authenticated document signed by you to release the vehicle from the garage after it is checked and repaired).

4. Once the vehicle has been released, you then submit the original bill, proof of release, and cash receipt from the garage to the surveyor. The surveyor sends the claim file to the insurance company for settlement along with all the documents.

5. Finally, the insurance company reimburses you.

The steps which you have mentioned in this article is really useful and helpful for claiming vehicle insurance. Other than that you can also search on internet for better advice.

m2k_kastoor
13-11-2011, 07:24 PM
These days you have cash less claim method wherein you need to approach the enlisted workshop for repairs,who will not charge you any cash but claim the amount directly from insurers on your behalf.
This is hassle free
When you claim insurance for small claims, you loose no claim bonus at next renewal, which can be a tidy sum.
So you need to balance the two conflicts, amount of claim vs no claim bonus loss.

Thanks for the good suggestion