Things You Should Know About Car Insurance Surveyor
Updated On Oct 16, 2023
Read to know everything about the car insurance surveyors appointed by the insurance companies in specific situations.
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Damages to your car could be expensive, but with a car insurance policy, you can expect its coverage from the insurance company. In case of extensive damages, a car insurance surveyor is sent by the insurer to assess the damage extent before giving approval to compensation. It helps them compute the right amount of claim settlement and ensure a swift and seamless claim settlement process. Let’s learn about car insurance surveyors and their role in insurance claims.
Who Is A Car Insurance Surveyor?
When you make a claim request against the car insurance policy, the insurance company holds the responsibility to assess the damage extent and settle the claim fairly. To examine the situation of a car, every car insurance company requires a technical report from a professional surveyor who has knowledge about the automobile sector.
The primary role of the surveyor is to investigate the reason and assess the damage extent of the car, discuss the repair or replacement cost of damaged parts with the workshop and submit the report to the insurance company. The surveyor is appointed with the responsibility to let a fair and prompt inspection process by being objective and independent during the examination of car damage based on the policy terms and conditions.
Roles and Responsibilities of A Surveyor
The primary responsibility of a car insurance surveyor is to inspect the damaged car physically to assess any damage or loss. Here are some roles and responsibilities of a surveyor:
Investigate and Examine
The surveyor has to examine and verify the damages and quantify the loss incurred. After making an inspection and assessment of the loss, the surveyor has to submit a report to the insurance company.
One of the major responsibilities of a car insurance surveyor is to stay unbiased in all cases and ensure that the interests of the insurance company and policyholder are completely secured.
Unveil Conflict of Interest
A surveyor should disclose his relationship with the policyholder to the insurance company before the survey. Any personal relationship with the insured person can hinder the neutrality and the surveyor’s assessment can be rejected by the insurance provider due to a conflict of interest.
Attention to Every Detail
The surveyor should do a comprehensive assessment of the damages and must conduct the inspection personally. During the examination, a surveyor should go through every minute detail of the car before making any final report.
Advice for Preventive Measures
The surveyor should give the right advice to policyholders for actions that can damage their cars in future and share the processes of safety and security with them. Also, he should point out any ambiguities or discrepancies in the policy content, if any.
Recommend the Depreciation
The surveyor can make recommendations on depreciation costs that might be applicable during the claim settlement. He should suggest the depreciation cost in the survey report in addition to commenting on the disposal of the car in events of beyond repair damages or total loss conditions.
Adhere to Deadlines
The surveyor should try to complete the car damage assessment process within the timelines to ensure that the insurance company gets the report on time to expedite the process and make the insured individual receive the amount of claim as soon as possible.
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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.