What Is Inspection In Car Insurance?
What Is Inspection In Car Insurance?
Table of Contents
The process of determining the scope and veracity of the damages to your car for which you have filed a claim is referred to as the car insurance claim inspection. Through this procedure, the insurer can confirm that the unintentional damages indeed occurred as claimed and were brought on by an unexpected event.
Vehicle physical inspection is what is meant when we talk about inspections for insurance purposes. A physical inspection is performed primarily for two purposes:
- In order to verify the presence of the insured vehicle; and
- to observe and document the vehicle's condition to prevent the policyholder from submitting a claim for any pre-existing damages. For the granting of a car insurance policy, an inspection of the vehicle may be necessary in some circumstances but not in others.
When Is A Vehicle Inspection Necessary?
In the following circumstances, a vehicle inspection is a prerequisite for the issue of a car insurance policy.
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After An Automobile Insurance Policy Expires
If you don't renew your auto insurance on time, you are required to have your vehicle inspected before your policy may be renewed.
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In The Event Of A Car Ownership Change
If you want to keep the car's current insurance, you must have a car inspection performed when you purchase a used automobile (second hand car).
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When Transitioning From A Basic To An Advanced Plan
If you are converting from a third party vehicle insurance plan (the most basic car insurance policy) to a comprehensive car insurance plan, the insurance providers compulsorily require a car inspection.
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Fitting Of The Bi-Fuel Kit
In the event that you install an bi-fuel kit in your vehicle, you must specially get it assessed.
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If Your Vehicle Is In An Accident
If your vehicle is involved in an accident, you are required to get it checked out by your insurance company before having it fixed. A post-repair inspection is also carried out by the insurance company to evaluate the condition of the insured's vehicle.
When A Car Inspection Is Not Necessary?
If a car is only covered by third-party liability insurance, a car inspection is not necessary. Additionally, if there has been no time between the policy's expiration date and the deadline for renewing it, an inspection of the vehicle is not required.
The policy does not expire if it is timely renewed. There are certain insurance companies that will perform the vehicle examination at no cost, while there are others that might levied a fee. An authorised agent or a representative from the insurance provider will inspect the vehicle for insurance requirements.
Different Ways to Inspect a Car
There are two different kinds of automotive inspections: self-inspections and third-party inspections.
- In a self-inspection, the policyholder examines and evaluates the condition of the vehicle by sending the insurance provider pictures of it. The majority of the top general insurance firms in India offer the self inspection option.
- According to the third party inspection, as the name implies, either the insurance company or an inspection agency acting on its behalf inspects the vehicle.
Conclusion
Car inspection, which is a crucial step in the auto insurance procedure, is the evaluation of a car's condition. An insurance company can determine whether there are any inherent hazards associated with an automobile through an inspection and determine whether it is willing to charge a premium to cover the car owner against such risks.
