United Ajod Insurance

Claim Process

MOTOR CLAIM PROCEDURE:

How to claim?

In the event of an incident giving rise to a claim under the policy, the following steps should be taken,

In case of accidental damage to the vehicle:

- If possible click spot photos and videos of the vehicle with a clear view of the vehicle number.

- Please dial 100 for police control room and lodge FIR to nearest police office immediately

- Immediate intimation (jankari) should be provided to the Insurers’ office, to generate the claim number in the insurer’s system. (Via mail in accordance to the province you live in”

, Telephone” 5344013” or client can come to our office whichever is near to provide the detail of loss.)

- The intimation form and claim form should be duly filled and submitted along with a copy of Bluebook, estimate/quotation of repairs, photo of ill-fated vehicle, and driving license of the driver at the time of the accident.

- If the loss is minor then we will verify it from the provided photos and the insured can repair the vehicle.

- If loss is major then vehicle will be inspected by a Surveyor, appointed by the insurance company, who shall submit his report to the company. In case of a major damage to the vehicle, a spot survey, at the site of accident, would also be arranged by the company.

- Final bills/cash memos are to be submitted duly signed by the insured.

- Salvage of the damaged parts may be required to be deposited with the insurance company, if any, after approval of the claim.

In case of theft of the vehicle:

- Lodge a First Information Report with the police immediately.

- Inform the policy issuing office with a copy of FIR.

- Submit the Final Police Report as soon as it is received.

- Extend full cooperation to the surveyor and/or investigator appointed by the company.

- After approval of the claim by the company, get the Registration Certificate (Blue Book) transferred in the name of the company, hand over the keys of the vehicle, and submit a letter of Subrogation and Indemnity on stamp paper duly notarized.

In case of third party liability claim:

- Inform insurance company immediately of any incident likely to give rise to liability claim.

- On receipt of summons from District Administrative Office, and/or District Police Office etc. the same should be sent to the company immediately.

- Claim Form duly filled in along-with copies of Registration Certificate, Diving License, FIR are to be submitted.

MARINE CLAIM PROCEDURE:

1. Take immediate steps to minimize loss.

2. Inform nearest office of the insurance company.

3. Lodge monetary claim with carrier within stipulated time period.

4. Submit duly assigned insurance policy/certificate along with the tax invoice and other documents required to substantiate the claim such as:

- Bhansar Pragyapan Patra (If goods are imported from foreign country)

- Bill of Lading/ Airway Bill

- Packing list/Certificate of origin

- Consignment note

- Copy of notice served on carriers along with their reply.

- Police report in accident case.

5. Salvage of the damaged parts may be required to be deposited with the insurance company, if any, after approval of the claim