Page 251 - Motor Insurance Ebook IC 72

Guide for Motor Insurance

Party claims. Losses settled on repair basis cover the
repair and replacement of damaged parts.

In the case of Commercial Vehicles, particularly when
goods trucks meet with serious accident in remote parts
on the highway; it is usual practice for insurers to
arrange for what is known as a 'Spot Survey."

This consists of inspecting the vehicle at the site of the
accident in "as I, where is" condition and noting down
the damages sustained by it. The final survey is carried
out when the vehicle is brought to the repairer's garage.
The spot surveys help to establish the extent of damage
caused by the accident so that it is not exaggerated by
the claimant after the vehicle reaches the place of repair.

Claims on repair basis also arise when the stolen vehicles
are recovered in damaged condition and stripped of some
parts. IN such cases, the procedure followed is the
same as in the case of accidental repairs, except that
spot survey is always essential as soon as the vehicle is
brought in the police premises.

It this is not done and if the insured is allowed to remove
it direct to the repairer's garage for final survey, it is
most likely that some more items will be found missing
at the time of final survey.

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