Everything You Need to Know About Insurance Survey Process
When you raise a claim with your insurance company, your bike is surveyed to assess the veracity of your claim. Read all about the process of the survey and what to keep in mind.
If ever you find yourself in a situation where an unfortunate event such as an accident or a natural calamity has occurred, which causes you to avail of your bike insurance coverage, you would have to raise a claim with your bike insurance company in order to avail of the compensation amount for the damages you have incurred. When you first inform your insurance company of the accident or damages that have taken place, the insurance company would need to verify your claim. Let us read about how this is done.
Who is a Two Wheeler Insurance Surveyor?
When you raise a claim of insurance for your bike or two wheeler, your insurance company would send a person known as an insurance surveyor to assess your vehicle. The insurance surveyor has two important tasks to perform:
- Assess the damages you have claimed and check the veracity of your insurance claim in order to verify it, checking if the actual damages and evidence available match your descriptions.
- Determine the claim amount that is to be compensated to you by the insurance company.
Where Does Two Wheeler Insurance Survey Take Place?
An important aspect of the insurance survey process is the location at which it will take place. It depends on the extent of the accident or damage. For a minor accident, your insurance company would likely direct you to a nearby network garage where you would be able to avail of repairs that the insurance company would take on the billing for. The insurance surveyor would be sent there to assess your claim. In case of major road accidents, the insurance surveyor would probably visit the site of the accident in order to make an assessment about the damages and the claim award amount.
Things to Keep in Mind About Two Wheeler Insurance
Here are some important things to keep in mind to ensure a smooth survey process that will lead to positive bike insurance claim settlement for you:
1. Inform the Insurance Company Immediately
The most important thing after getting medical help at an accident site is to inform your insurance company of the accident and your intention to make a claim. Delay in informing the insurance company could lead to claim rejection.
2. Do Not Tamper With Evidence
It is important that you do not tamper with any of the available evidence as this will prevent the insurance surveyor from getting an accurate picture of what has occurred.
Takeaway
The insurance survey process is intrinsic to the process of raising a claim and attempting to receive a claim settlement. It is important as part of this process to inform the insurance company immediately after any accident and not to tamper with any available evidence in any way.
Also Read
Benefits of Zero Depreciation Cover For Bike
Difference Between Zero Depreciation And Comprehensive Bike Insurance Cover
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.
