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Frequently Asked Questions About Motor Insurance Claims

Physical harm to your car could be a significant trouble that will cost you a financial burden. A cheap car insurance policy may offer minimum benefits like damage to other people’s cars or property and legal liabilities (up to a specific limit).
However, the best car warranty can cover all the above benefits, including damage or loss due to accidents, malicious acts, harsh weather, fire, theft, and more.

With motor warranty services most insurers provide, car owners can quickly request quotes across insurers and compare them. Purchasing, managing, and canceling a vehicle insurance policy is now hassle-free. It can be done in a few clicks anytime, anywhere.

Car owners considering buying a vehicle insurance policy can read this article to get information on how an insurer will handle vehicle repairs after a horrific road event.

1. Who will be allocated my vehicle repair task?

Your insurer will appoint an assessor to evaluate your vehicle’s damage. Once the assessment is complete, your insurer will appoint a vehicle repair technician to fix the vehicle damage. Usually, an insurer’s chain of repairers uses present-day equipment and safe methods to accomplish vehicle repair goals. At the same time, if your insurer allows selecting your preferred repairer, you can conveniently avail of that benefit. Of course, after having your insurer’s approval.

2. Should I go to the repair shop mentioned in my warranty?

Yes, it would help if you got it repaired by the service center mentioned in your agreement. But you are not obligated to drive your vehicle to one of the centers in the contract. You should know that the warranty company recommends them because they have a contractual tie-up. But if you are in a situation where your car is severely damaged, and you can’t find a service center tied to your insurance company, it is wise to get it repaired at any nearest service center.

3. Is it possible that the service center charges more than the insurance company? 

Yes, it is possible. However, in most cases, the service center and insurer agree upon the cost and come on common grounds for settlement. If the insurance company fails to do so, your insurer could evaluate the charges and try to settle them. If the insurance company doesn’t agree to pay the surplus charges exceeding the terms and conditions of the warranty, you will have to pay it from your pocket. 

4.  How much time will it take to repair my car?

The amount of time needed to fix a repair job depends on the type of repair and the mode of fixing it. So, there is no way to tell a general time frame for restoring a damaged vehicle. While some jobs can be completed in a few days, others may take weeks. The vehicle repair technician can clarify this and regularly inform you about the repair progress.

5. What happens once my car is repaired?

Once the repairs are done, you can collect your vehicle from the repairer. In contrast, when you cannot go to the garage and pick up your car, you can contact your insurer for delivery alternatives. They may be able to help, or they may not.

6. Are the repairs guaranteed?

Repairs authorized by your insurer can be guaranteed if you maintain your vehicle well and needlessly don’t involve it in at-fault or negligent driving incidents.

7.  Can I select the vehicle repairer?

If your car insurance policy provides that option, you can nominate a preferred repairer. However, first, you must involve your insurer. Your insurer will scrutinize the repair methods and the estimate provided by your preferred repairer. After that, your car insurer may either approve or reject the proposal. In case of rejection, your insurer can offer you the following choices – paying you reasonable repair costs or suggesting you get your vehicle repaired by a repairer chosen by your insurance provider.

If the vehicle is unsafe to drive, your insurer can pay for towing (up to a limit) to your preferred vehicle repairer.

8. Can I seek help for vehicle repairs myself?

Your insurer may provide emergency cover up to a specific limit to make your vehicle drivable to a safe zone post an accident event. However, your insurer must first authorize all vehicle repairs if you wish to raise a claim.

9. Is it compulsory for the insurer to pay the coverage in a fixed time interval?

There is no bound time that the insurer has to make the settlements. They must follow a legal process while settling the claims, and they follow the protocols and complete the payment. The time taken to reimburse the claim differs for each share. Some claims where your car is involved in an accident will take more time as there would be a complete investigation. 

Note that the above benefits come with having a comprehensive car insurance policy. It is so far known to be the best motor warranty policy because of the broad range of benefits it includes. If you too wish to buy an affordable yet effective comprehensive cover, quickly run a search to find a suitable car warranty.