Car Insurance Claim Inspection: How To Go About It?

Written by Sharad Bajaj

Updated On Oct 14, 20232 min read

Claim inspection is an important element of your car insurance. Here are some points which you should keep in mind to experience a successful claim inspection.

Car inspection is an investigation procedure carried out by an executive of an insurance company to check the condition of the insurance car. It involves a thorough check of the interior, exterior, and engine of the car. The car inspection is processed when a person either sells a car, renews the car, or requests a claim after an accident or any mishap. Every car insurance holder must be aware of some essential points which he or she must keep in mind during a car insurance claim inspection.

6 Points to Follow During a Car Insurance Claim Inspection

Every car insurance policyholder should know about important points of the inspection process that takes place during the claim settlement. With such information, you can get your claim easily without any hassle out of your car insurance plan. Here are some points that you should know:

1. Check the Type of Car Insurance Plan

You should know the type of your car insurance plan which might be a third-party car insurance cover, own-damage car insurance policy or comprehensive car insurance plan. The surveyor or vehicle inspector will inspect your insured car based on the type of your insurance cover. While requesting a claim, you should be aware of the type of car insurance plan you own. You can be benefitted only if your claim request holds coverage in your insurance policy.

You may also like to read: Standalone Own-Damage Vs Third Party Car Insurance

2. The Validity of Car Insurance Policy

Do check the validity of your car insurance policy before requesting a claim. Claiming with an inactive insurance cover, without checking its validity, can be disappointing as it can get your claim rejected. Hence, you should pay for your policy renewals on time to keep it active. The surveyor will check your plan documents to confirm if you hold a valid and active car insurance policy.

3. Click Photos and Shoot Videos of the Car

If you feel safe and sound after a car accident, you should try to take photos of your damaged car from various sides and angles as well as minor injuries sustained by you. You should also shoot a video to clearly show all the damages. This can help you in making a claim request and could work as vital evidence. If the inspector could not reach the spot on time, the proof might vanish and in such a condition, your photos and videos could be considered as evidence.

4. Inform the Insurance Company Immediately

The first thing that you should do after facing an accident is to inform your car insurance company. Informing them late could result in a disaster for you as the insurer could deny providing any insurance cover against your claim for an accident, theft, etc. Some insurers hold a specific deadline to inform them for a claim such as 24 hours to 72 hours from an accident or theft. Hence, you should ensure to inform them and raise a claim request as soon as possible.

5. Answer Honestly to All Surveyor’s Questions

During the car insurance claim inspection, the vehicle inspector can ask you various types of questions related to accident or theft to collect relevant and important facts. You should never lie to them and must answer all the questions asked by the inspector most honestly. This point can even make you enjoy extended coverages, in case you find yourself clean.

6. Show All the Essential Documents Inspector

You should be ready with all the necessary documents to produce before the vehicle inspector during claim inspection. However, may car insurance firms allow online document submission as well where you can upload the scan copies of your insurance documents. The vehicle inspector can also ask you to show your ID proof and driving licence. Hence, you should be ready with all your documents and papers.

Disclaimer

This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

Written by Sharad Bajaj

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Sharad is an insurance industry veteran who has managed motor insurance products for over a decade. He helped set up and scale the motor insurance vertical for a leading insurance company in his previous stint. In his spare time, Sharad likes to read and be in tune with nature.