Motor claims survey guides
Plain-English answers to the questions insurers, garages and vehicle owners ask most about the motor claims survey in India. Each guide answers its question in the first two sentences, then works through a real-world example.
- What is a motor final survey report, and what does it contain?A motor final survey report is the surveyor's signed account of a claim: the vehicle, the policy, the accident, the damage and the assessed loss. Here is what each section holds.
- How depreciation and IMT-23 work in a motor claim assessmentWhy the assessed amount is less than the garage bill: depreciation by part type and vehicle age, painting, the compulsory excess, zero-dep cover and IMT-23 — with a worked example.
- The India Motor Tariff 2002 (IMT): the full text, and the rules surveyors use mostRead the complete India Motor Tariff 2002 — General Regulations, IDV and depreciation schedules, compulsory deductibles and every IMT endorsement — with the key tables explained.
- How long does a motor claims survey take, and what slows it down?The survey itself is rarely the slow part. Claims stall waiting for documents, photographs, estimates and replies. Here is where the time goes and how to get it back.
- Documents needed for a motor insurance claim surveyThe documents a surveyor asks for on a motor claim — claim form, policy, RC, driving licence, estimate and bills — and the ones that depend on the vehicle and the accident.