Induction into "Banged my car" club

barathan · 19th July 2007, 16:10

Thanks 1100D & Zeeshan_Suleman, Will check with the insurance company and will update the photo once the car is fixed.

barathan · 19th July 2007, 16:13

Thanks 1100D & Suleman.

My doubt is if i pay the money to the garage and take the car, is there any way that the insurance company denying the claim for any reason.

1100D · 20th July 2007, 01:06

Insurance Surveyor has to survey the car before any repair work starts (no matter whatever Garage you do up the car at). Then they assess the damage and discuss with the garage on estimates to arrive at the compensation. So whatever garage you give the car to, make sure it is surveyed before work starts (and also give the clearance after the work has ended)

sammyboy · 23rd July 2007, 11:46

I guess these days it pays to get your car insured by companies that have the cashless facility , lile ICICI lombard or bajaj alliance .That way you dont have to go thru the hassle of waiting to get reimbursed and it is not heavy on the pocket.

1100D - Yes thats a very valid point . Dont let the workshop start work on anything till the surveyor has checked and given an estimate of what will be covered by the insurance company. The work shop people usually try to add some things which are not a part of the accident (as I learnt from my experience) and try to inflate the bill . So its very imp to get the approval from the surveyor.

@barathan - As long as the surveyor has given the go ahead it should not be a problem to get the claim from the insurance company.

19th July 2007, 16:10	#16
barathan Newbie Join Date: Jul 2007 Location: Seattle Posts: 20 Thanked: 0 Times	Thanks 1100D & Zeeshan_Suleman, Will check with the insurance company and will update the photo once the car is fixed.
	() Thanks

19th July 2007, 16:13	#17
barathan Newbie Join Date: Jul 2007 Location: Seattle Posts: 20 Thanked: 0 Times	Thanks 1100D & Suleman. My doubt is if i pay the money to the garage and take the car, is there any way that the insurance company denying the claim for any reason.
	() Thanks

20th July 2007, 01:06	#18
1100D Senior - BHPian Join Date: Jun 2006 Location: Calcutta Posts: 4,390 Thanked: 4,079 Times View My Garage	Insurance Surveyor has to survey the car before any repair work starts (no matter whatever Garage you do up the car at). Then they assess the damage and discuss with the garage on estimates to arrive at the compensation. So whatever garage you give the car to, make sure it is surveyed before work starts (and also give the clearance after the work has ended)
	() Thanks

23rd July 2007, 11:46	#19
sammyboy Senior - BHPian Join Date: Jul 2006 Location: Ggn/Dehradun Posts: 1,842 Thanked: 521 Times View My Garage	I guess these days it pays to get your car insured by companies that have the cashless facility , lile ICICI lombard or bajaj alliance .That way you dont have to go thru the hassle of waiting to get reimbursed and it is not heavy on the pocket. 1100D - Yes thats a very valid point . Dont let the workshop start work on anything till the surveyor has checked and given an estimate of what will be covered by the insurance company. The work shop people usually try to add some things which are not a part of the accident (as I learnt from my experience) and try to inflate the bill . So its very imp to get the approval from the surveyor. @barathan - As long as the surveyor has given the go ahead it should not be a problem to get the claim from the insurance company.
	() Thanks