Car insurance and cashless insurance claims

With the advent of technological advancement and the introduction of digital transformations, all the sectors are evolving to a great extent. The car insurance sector also follows suit by offering various benefits to the policyholders. One of the most significant and innovative things offered by Zurich Kotak General Insurance is the cashless network garage. The advent of a cashless network garage that streamlines repairs and claim handling in a very swift manner. Car insurance plans from Zurich Kotak General Insurance make it easier for policyholders to access Zurich Kotak General Insurance’s cashless network garage where the repairs and claim insurance process is extremely convenient.

What is a cashless car insurance plan?

Car insurance is an indispensable part of owning a car. A car owner must have a four-wheeler insurance to drive the vehicle on roads. The car insurance plans also offer financial security to the policyholder as they take care of the car repairs and claim settlement. In the event of an accident, the policyholder needs to contact the car insurance provider wherein they shall send a surveyor at the accident spot to assess the damage. Once the damage is accessed by the surveyor the car is taken to the network cashless network garage for repairs wherein an approximate expense bill amount is notified to the insurance provider. The insurer covers the expenses as per the terms and conditions of the car insurance plans. The remaining balance, if any, has to be borne by the policyholder.

Car insurance plans are diverse as they offer comprehensive car insurance coverage and customer-centric services. A cashless network garage is a notable offering that streamlines repairs and claims for policyholders.

What is a cashless garage?

Cashless network garages are authorised to repair centres that have collaborated to do the repair works of the insured vehicle. So, in the event of an accident, the policyholder approaches the car insurance company that will provide access to the cashless network garage where the repairs shall be done and the services covered under the car insurance plan shall be borne by the car insurance company.

The car insurance plan from Zurich Kotak General Insurance offers a seamless repair and claim service experience to its policyholders as the insurer takes care of the expenses so they can remain stress-free.

Steps involved in claiming cashless car insurance

The following is the process to claim cashless insurance.

1. In the event of an accident or theft, call or email the insurance provider

2. Share the details of the accident or event and damage

3. In the event of theft, the insurance provider might ask to file an FIR at the nearest police station

4. In the event of an accident, the insurance provider shall send a surveyor to assess the amount of damage to the vehicle

5. The surveyor will assess and give the repair cost

6. Based on the car insurance plan and the coverage the insurance provider shall settle the repair bill directly with the cashless network garage.

7. The balance deductibles have to be borne by the policyholder

The final thoughts

Thus, cashless network garages have revolutionised the way of repairs and claims thereby ensuring efficient, transparent, and hassle-free processes.

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