Bro accident ekak unama procedure eka mokadda.happuna welema insurance call karala police entry ekak ganna oneda?or can we claim after going home?
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- Thread starter Gayanxjp
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Bro what about minor accidents.such as mirror damage only saw after coming home?
You could claim OTS for minor damages in case of Ceylinco - they'll visit you at your home, access the damage and offer you an amount they see fit. There is the option to get a quotation from a garage too. I'm not sure how others work but there shouldn't be much of a difference.
If i went Straight to a garage who deal with insurance people will they access the damage and claim From the insurance?
1. Call Insurance Company Hotline
2. If there is third party injury/ damage, Insurance company insist you to put a police entry to evaluate claim procedures
* though insurance company have not requested to do a police entry, it is your duty to inform police about the accident, to comply with the governing rules of the country
3. If an assessor need not to visit the place, the insurance company will advise you, or else they will advise you to take some pics and carry on your journey, and get an estimate from the garage. Inspection will be done at the garage.
4. Some companies have the option to send the photos to the company, where they process your claim based on that
5. If assessor visits to your garage or the accident place, if it is a minor damage, mostly they will give you an onsite offer, which is one page document with their offer amount. you need to place your signature on couple of places, and you are ready to get your money into your account / to garage / or a cheque
6. If insurance company need your salvage components, they will advise you, if not do not bother about it.
7. **Important** after all these above, make sure you produce your vehicle for an ARI ( after repair inspection), to any of the insurance company branch, where they know your damage has been repaired. Otherwise, you may not be able to claim a second damage for the same item. ie. side mirror can get damage multiple times, and if you have not done the ARI, insurance company have the right to pay only one claim, as they don't have proof , whether you have repaired the previous damage or not.
If there are third parties, or other complexities, the process is bit differ than above.
තව මොනවා හරි පැහැදිලි කරගන්න ඕන නම් අහන්න.
machan accident ekak wela masa 5k wage. ARI ekak nam kare na mama danuwathwa. mama ghin insurance ekata pennuwe na. eka assessor kenek garage ekata awilla balala ok karan nadda. karalada nadda kiyala denaganne kohomada?
හදල ඉවර උනයින් පස්සේ , ඇසෙසර් ඇවිල්ල බලලා , ARI report එක දාන වෙලාවල් තියෙනවා. සමහර registered garage තියෙනවා, ඉන්සුරන්ස් company එකත් එක්ක partnership තියෙන. ඒවගේ, අවුලක් නැහැ. claim බිල් එක යනකොට දන්නවා හදල තියෙන්නේ කියල. call කරලා අහල දැනගන්න පුළුවන් ARI report okda කියල.
ඔය ARI case එක හුගක්ම එන්නේ , onsite offer වලට. හැදුවත් නැතත් සල්ලි ලැබෙනවා වාහනේට.
හැබැයි, ඔය මොන එක තිබ්බත් මම , නම් කියන්නේ පොඩ්ඩක් ගිහින් පෙන්නන්න කියල. පැය 1/2ක් යයි ඕන නම්, 4to ටිකක් අරන් system දාන එකනේ . ඒක උනා කියල දැනගත්තම හිතට බයක් නෑ . පස්සේ චුරු චුරු ගාන්න ඕනත් නෑ .
