All You Need To Know About Car Insurance Surveyor
Read to know the roles and responsibilities of a surveyor that you should know as a car insurance holder.
Table of Contents
Who Is A Car Insurance Surveyor?
A car insurance surveyor is a person who is sent by the car insurance company to gauge the level of damages sustained by your car in a situation of an accident. Based on the report of the surveyor about the estimation of damages e, your insurance company will honour your claim. Hence, whenever your car suffers any sort of damage or loss and you raise a car insurance claim, there is a specific process that you need to go through. If your car gets damaged in a collision, then you will need to intimate about it to your insurance provider and keep all the relevant documents handy. Your insurer will then send a surveyor to investigate your car and initiate the claim process.
The major roles and responsibilities of a surveyor are to assess and investigate the extent of damage and quantify the losses sustained by the third party and your car. The surveyor needs to stay neutral in every circumstance and should secure the interest of both the involved parties. Also, he never should share any personal details of the insurer person with anyone outside. The surveyor must do a thorough inspection and personally conduct the survey at the site of the accident.
When Does An Insurance Company Deploy A Surveyor?
As per the law, a general surveyor is deployed by the insurance company for situations where the amount of claim payable is less than Rs. 20,000. However, for instances where the amount of claim payable is more than Rs. 50,000 or above, a licensed surveyor is required. In any type of situation, where the claim amount is either small or big, every policyholder holds access to a car insurance surveyor to get a transparent claim settlement.
How To Communicate With A Surveyor of Car Insurance?
To meet the car insurance surveyor, you need to follow the below-given steps which will help you communicate your issues and increase the chances of claim settlement:
1. Leave the Accident Spot Untouched
In the case of a collision or an accident, you should leave the accident spot untouched. It is recommended to get your car repaired only once the surveyor completes the investigation of the level of damage sustained by your car and gather other details related to the incident. If you use your car in damaged condition, your claim gets rejected by your insurance company.
2. Provide A Complete Claim Report
If your insured car gets damaged, then you need to describe the incident extensively supported by proper justifications in your claim form. A proper description with the minutest information and details related to scratches, dents, etc., can help you negotiate with the surveyor. The attachment of pictures of the location, damage, and injuries with testimonies of the witnesses can strengthen your case. Also, you must submit the FIR copy in case of a collision or any injury done to a third party.
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3. Save the Records of Communication
You need to save and store all the records of communications with the surveyor of the insurance company or insurance agent for future references. For instance, you need to hold all the text messages or email you have received from the end of your insurance company.
4. Understand the Old and New Damages
While raising a claim you need to maintain transparency and confirm the difference between old and new damages in your claim report clearly. If you fail to report the new damages on time, then later on the insurance company might reject your claim by considering the new damage as an old one.
Also Read:- All About Car Insurance Frauds In India
Conclusion
Your insurance company comes forward to compensate for your financial liabilities arising due to any damage or loss caused by an accident, fire, theft, calamity, etc. To get your claim accepted and receive the right amount of claim, you should keep the aforementioned points in mind while dealing with a car insurance surveyor and must remember to clear dialogues supported by proofs and details.
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.
