Here is how to handle a motor insurance claim inspection.

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Car Insurance
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Here is how to handle a motor insurance claim
inspection.
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Hundreds of car insurance claim inspections are
made in India every day. Some of them go smoothly
and some dont. The ones that dont go smoothly
are often the result of poor preparation lets
face it, none of us think well be in an accident
or have to undergo an insurance inspection.
However, you could be driving your car to work,
just like you do every day and suddenly encounter
an accident. In such a scenario, knowing how to
handle things (including the submission of a
claim the claim inspection process) is crucial
if you want to receive the compensation you are
entitled to. Keeping this in mind, the following
article will tell you what to do in case of an
accident and how to handle a four wheeler
insurance claim inspection.
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So what to do immediately after an accident?
The first thing you need to do is make sure
everyone involved in the accident is alright. If
medical help is required, making sure it is
administered to those in need is your first
priority. If everyone is fine, you need to
document the scene of the accident and the damage
caused.After this, you should inform the police
and your motor insurance company. The police will
write up a First Incident Report and your
insurance provider might ask you to take your car
to the nearest network garage/garage of your
choice. If your car is not in working condition,
the insurance company might provide a towing
facility or ask you to get the car towed to the
said garage.
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The claim inspection process
After youve taken the car to the nearest garage,
the car insurance company will send an insurance
inspector to evaluate your case. Be sure to have
all the important documents ready including the
insurance policy, the documents of your car, your
driving license, etc. They might ask you for
evidence in which case the photos clicked after
the accident come into play.
Be honest when answering questions
Part of the inspection process is answering the
agents questions. Remember to think hard on each
question and answer as truthfully as possible. If
the insurance inspector find out youre lying,
he/she might directly reject your application due
to the submission of false/fraudulent details.
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Determining the damage
Once all the paperwork is reviewed and all the
questions answered, the inspector will begin
assessing the damage of your car. He/she will
take photos mark the damaged parts. Make sure
they do not miss anything. After this, the
inspector should explain the damage and the
estimated compensation they will provide you. You
should know that you can negotiate at this stage
and it is your right to get reasonable
compensation from your motor insurance.
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Carryout an independent appraisal of damages
Get your car evaluated separately. An independent
evaluation is like a trump card that you can play
when the inspector provides a compensation that
is lower than your expectations. Having a
certified higher estimate evaluation of damages
gives you more negotiating power.
Accept the car insurance claim compensation.
Once the inspector has explained the compensation
amount youre satisfied with the same, just
accept the claim approval. If it is a cashless
garage, the insurance company will cover the cost
for you, if not you will receive a reimbursement
of the repair costs.Hope this has been helpful,
good luck and drive safe!
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