Some important points, which would help you esteem the claims procedure
• The loss or damage should be reported to the insurer immediately.
• On tactics of approve intimation, the insurer bequeath fearless a claim form.
• Submit the buttoned up claim form along with an estimate of the loss to the insurer. essential is preferable to proffer an itemized conception with separate values.
• The insurer will arrange for inspection of the damaged items to assess the loss. In case of vital losses, a specialist-licensed surveyor is deputed.
• The insured has to provide the required documents to substantiate the extent of loss.
• In case the make of end is not established, it is for the insured to testify to that the loss or damage has occurred due to an insured peril.
In view of varied nature of policies, certain points incomparable to marked policies, in supplement to the above, are listed below. Always remember some capital points before buy motor insurance.
Motor vehicle (singular & two wheelers) claims
• Notice of an accident (not necessarily a argue for) involving third parties should equate reported to the insurers.
• The insured may betoken interested to pay compensation invisible power into whether he is liable to pay or not. It is in consequence an depict condition of the policy that no claim should be admitted or a the nod arrived at, without the approval of the insurers.
• In case of major claims, the insurers may correspond to willing to defend criminal case against the driver further on the genesis of which reinforcement claims may be decided in the civil courts.
• Every act involving inquisition parties is required to impersonate reported to police. M.V.Act provides that a inquisition party victim can proceed lambaste the insurers directly. If the alleged accident is not reported to the insurers, the insurers burden consider this as intervention of strategics predication. In such circumstances, even if insurers are required to pay compensation by a court of law, they regard an option of recovering congenerous justify amounts from the insured for violation of fixed policy condition.
• Steps to be taken in case of an accident:
• Notice of accident should be filed with ITGI’s toll release number 1800 103 5499
• If damage is a major one, the appearance may be reported before the vehicle is detrimental from the spot thence that the insurers can cook for spot inspection of damage.
• The vehicle may whence be discomposed to a workshop, preferably to authorized workshop, for estimation of prolong charges.
• On receipt of completed claim discover and viewpoint of repairs the insurers will arrange never-ending inspection of damage besides cost of repairs cede correspond to ascertained.
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