Insurance claim procedure

[asimzaeem]

I want to ask about the insurance claim procedure of vehicles that are insured. This is the genuine query of many people and needs to be clarified in a layman's language

I m assuming a scenario where a person has got his car insured from insurance company. He has an annual comprehensive plan that provides full coverage.

Now in case his car meets an accident with another car, how should he claim his insurance? what sequence of steps he should follow. Plesse share your experience for people who are new ( including myself)

Thank you

[imran2155]

Hi,

In my experience it was simple. In November 2019, I was driving on M2 at around 2AM and out of nowhere, a cat or dog (i couldn't figure out) hit my car and cracked front bumper from passenger side while also destroying fog light.

This is how i proceeded.

• I called insurance company, explained what happened and provided them my policy number.
• They assigned a surveyor who called me to bring the car to workshop of my choice. I always prefer Toyota Walton so we met there.
• He assessed the damage, took pictures and approved all necessary work e.g replacement of bumper and fog light etc.
• I left the car at Toyota walton for 2 days and they fixed it all. Insurance company dealt with workshop directly and I had nothing to do with it.
• I didn't have to pay anything.

Overall it was pretty straightforward.

Hope it helps.

Thanks
Imran

[haseeb.basharat]

I left the car at Toyota walton for 2 days and they fixed it all. Insurance company dealt with workshop directly and I had nothing to do with it.

In such scenario where there is a need to fit a new part. You can take your car with you by paying the depreciation amount and come back once it's painted. For example, new bumper, fender, side mirror.

[asimzaeem]

Very kind of you.
You explained everything thoruoghly

[hassan3344]

@imran2155 which insurance company would you recommend for a hassle free experience?

[imran2155]

I have only one insurance claim made and that was with Takaful pakistan. My experience was pretty good with them. Though I've heard good reviews about adamjee insurance too.