Page 242 - Motor Insurance Ebook IC 72
P. 242
The Insurance Times
They are supplied with a copy of the policy, the claim
form and the repairer's estimate. They inspect the
damaged vehicle, discuss the cost of repair or
replacement with the repairer and submit their survey
report.
In respect of minor damage claims, i.e. where the
loss is less than Rs. 20,000/- independent surveyors
are not always appointed.
The insurers' own officials or their own automobile
engineers inspect the vehicle and submit a report.
Cashless Settlements:
Most insurers have entered into agreement with a host
of repairers including authorized repairers of the
manufacturers. These are termed preferred garages.
It is offered to private car insured only. Customers opting
for repairs at these garages are required to drive or tow
the vehicle to the garage. All claim formalities like
completion of claim form, submission of claim documents
are immediately completed.
The surveyor is sent by the insurer tot the garage for
assessment of the loss. Once the vehicle is repaired
the insured is informed to collect the vehicle and play
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