Page 254 - Motor Insurance Ebook IC 72

The Insurance Times

Frauds may also occur when inflated bills of repairs are
produced. The insured takes recourse to claiming in
excess of the damages sustained or including earlier
minor damage repairs in the claimed amount. There
may also be forged bills to explain some major damage
cost.

Faked accidents or burglaries are other types of fraud
that can occur. Rotation of insurance personnel and
intermediaries, regular visits to repairers and if necessary
investigations of frequent claims or from specific regions
or intermediaries could be followed to keep a check on
such frauds.

Q 6. Name the documents required for processing a
Ans. motor own damage claim?
Own damage claims are far more numerous than third
party claims. These claims may be of a minor nature
e.g. mere scratching, or of a major nature e.g. head-on
collision or total loss by fire or theft. The documents
required for processing the claim are:
(1) Claim Form

(2) Survey Report / Officer's Inspection Report

(3) Driving Licence

(4) Registration Certificate Book

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