QUOTE(SGSuser @ Jul 19 2019, 06:33 PM)
Car got banged at the back 2 days ago...bumper need change and also bonet need ketuk back...sent to authorised body shop, say will claim OD knock for knock first then reimburse back from the wrong party's insurance
But still expect around 1.5 months for car to be serviced completely
Is that the proper procedure?
that is some f up explanation..
theres no such thngs as claims from the culprit's insurer.
Third party claim = go to any workshop, workshop appoint adjuster and lawyer, claim repair cost laywer fees adjuster fees from third party insurer. then third party insurer will assess and ask permission from YOUR insurance to pay the agreed amount. YOUR insurance give clearance, third party will pay the workshop laywer adjuster fees. Then third party insurer will ask YOUR insurer to reimburse back to them. NCD not affected.
OD KFK = go to panel workshop, YOUR insurance appoint adjuster, assess and approved repair. once repaired, YOUR insurance pay adjuster workshop. thats it. NCD not affected. process is simpler. hence faster.