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How Much Time Is Taken In A Car Insurance Claim And Car Repair?

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After a car accident, you’re probably thinking something like: I have insurance, so how long can it take for them to fix my car? The answer depends on your insurance company as well as the garage that is fixing your car. The insurance company may send an insurance surveyor to the preferred repair shop to evaluate your vehicle and approve repairs. This procedure usually takes 4-5 days.

Your car insurance online or offline company can recommend a particular auto repair shop. They may even insist that you have your vehicle repaired by the repair shop of their choice. However, you have the right to choose who repairs your vehicle.

Claims representatives have monthly targets that they must meet.. As a result, if your decision does not coincide with one of their recommendations, they may attempt to persuade you otherwise. It is essential to know how to claim car insurance when you call your insurance company, remember that you have the right as a consumer to select the shop that works ideally for you.

How to ensure a faster and more efficient car insurance claim and repair process:

1. Select a garage that is authorised to repair your vehicle:

Choosing a shop certified by your vehicle’s manufacturer means they have affirmed that this shop is an expert in their field. Plus, you can benefit from the cashless facility and do not have to pay large amounts of cash upfront to get your car repaired.

2. Look at the reviews:

Most people only leave reviews after a highly positive or negative experience. It may, however, give you a general idea of what customers think about the insurance claim and repair time. This way, you can choose the right insurer and network garage.

3. Provide all the necessary documents

When you send your car for repair, it is best to provide as many documents as can be helpful. This fastens up the claim process so that not only does your car get repaired faster but your compensation is also received on a timely basis.

4. Choose an insurer with a high claim settlement ratio

An extensive study of what is covered in car insurance, will help in choosing the ideal policy. A company that has a higher claim settlement ratio can help you be assured that your claim may be approved and that you may receive your claim money soon. The ratio is essentially an indicator of how well the insurance company is dedicated to solving the customer’s claims. The higher the CSR, the more are your chances of a fast and quick claim settlement process.

Conclusion:

Car insurance online and offline claims can be settled in days, weeks, or even months. The amount of time it takes to resolve your claim can be determined by factors such as the severity of the damage, what is covered in car insurance, whether it is clear who was at fault, and how quickly you can provide all the necessary information. Some places have laws requiring insurance companies to settle claims within a specific time frame. Ensure you are aware of these laws so that you can benefit from them accordingly.

‘Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.‘

*All savings are provided by the insurer as per the IRDAI-approved insurance plan. Standard T&C apply

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