RISK INSPECTION & PROCESSING CLAIM WITH LOSS MINIMISATION

A PRESENTATIONByAJAY K. JAIN

INSPECTION OF MOTOR O.D. RISK

SEGMENT OF THE VEHICLE. CLASS OF VEHICLE. PURPOSE/ USES OF THE VEHICLE. PRESENCE OF THE VEHICLE IN THE

MARKET. REPAIRING NETWORK OF THE VEHICLE. AVAILABILITY OF SPARE PARTS AGE/ CONDITION OF THE VEHICLE. FITMENT OF SAFETY EQUIPMENT.

INSPECTION OF MOTOR O.D. RISK PAST CLAIM EXPERIENCE. CONDITION OF WIRING. INSPECTION/ VALUATION BY A COMPETENT

PERSON. IMPORTANCE OF AGGREGATE NUMBERS. CONSIDERATION OF VALUE OF FABRICATED

PARTS SEPARATELY MAINLY IN COMMERCIAL VEHICLES.

ANATOMY OF VEHICLE.

AT THE TIME OF CLAIM INTIMATION FOR SPOT SURVEYGUIDE LINES FOR CLAIM PROCESSOR TO MINIMISE LIABILITIES:-• Deputation of a competent Surveyor• The survey should be conducted within 6 hours.• Police report/ Mutual settlement report should be mandatory for all

trucks/commercial vehicles.• Guide the surveyor to take proper/ accurate photographs of damaged

vehicle and its documents. • There must be at least one photograph which should display the load

details.• Written statement of insured’s representative should be collected by

the spot surveyor.• All “AGGREGATE NUMBERS” should be noted down by the spot

surveyor.• The spot surveyor should comment on the requirement of towing the

vehicle.• Ask the spot surveyor to take down clear observations.• Submission of spot survey reports within 48 hours.

AT THE TIME OF CLAIM INTIMATION FOR FINAL SURVEY

GUIDE LINES FOR CLAIM PROCESSORS

Complete claim documents including police report and court release order should be collected prior to deputation of a Surveyor.

A letter/affidavit should be taken from the insured describing how he brought his vehicle to the workshop.

Clear-cut policy for the value of spare parts purchased from authorized stockiest/ local market.

Advise the insured to purchase all major spare parts from authorized stockiest for better performance of the vehicle.

Depute a competent Surveyor.

DURING REPAIRS/ AFTER DURING REPAIRS/ AFTER CONDUCTING THE FINAL CONDUCTING THE FINAL SURVEYSURVEY

GUIDE LINES FOR CLAIM PROCESSORSGUIDE LINES FOR CLAIM PROCESSORS

To collect an online status report within 48 hours from the surveyor including To collect an online status report within 48 hours from the surveyor including photographs.photographs.

To discuss the assessment portion with surveyor by keeping “LINE OF To discuss the assessment portion with surveyor by keeping “LINE OF IMPACT” in mind and visit the vehicle if required.IMPACT” in mind and visit the vehicle if required.

Always encourage the surveyor to allow child parts/bare assemblies subjected Always encourage the surveyor to allow child parts/bare assemblies subjected to the availability of those parts. Consult parts catalogue if required.to the availability of those parts. Consult parts catalogue if required.

Always check that whether the subjected part is an original fitment of that Always check that whether the subjected part is an original fitment of that insured vehicle or not?insured vehicle or not?

The labor charges should be calculated/assessed on “LUMP SUM” basis in The labor charges should be calculated/assessed on “LUMP SUM” basis in case of major losses by the surveyor.case of major losses by the surveyor.

IDV of fabricated parts like cabin, body etc. should be calculated separately IDV of fabricated parts like cabin, body etc. should be calculated separately and their losses should be assessed accordingly.and their losses should be assessed accordingly.

Approve the claim timely subjected to the policy terms and conditions.Approve the claim timely subjected to the policy terms and conditions. Ask the surveyor to note down the “AGGREGATE NUMBERS” of Ask the surveyor to note down the “AGGREGATE NUMBERS” of

damaged/replaced parts during re inspection.damaged/replaced parts during re inspection. To distinguish between actual losses and “CONSEQUENTIAL LOSSES”.To distinguish between actual losses and “CONSEQUENTIAL LOSSES”.

LINE OF IMPACT LINE OF IMPACT A PRACTICAL ASPECTA PRACTICAL ASPECT

FRONT CENTER IMPACTFRONT CENTER IMPACT FRONT RIGHT IMPACTFRONT RIGHT IMPACT FRONT LEFT IMPACTFRONT LEFT IMPACT FRONT UPPER IMPACTFRONT UPPER IMPACT FRONT UNDER CHASSIS IMPACTFRONT UNDER CHASSIS IMPACT RHS IMPACTRHS IMPACT LHS IMPACTLHS IMPACT REAR IMPACTREAR IMPACT OVERTURING IMPACTOVERTURING IMPACT

LINE OF IMPACT

Try to find out the initial/starting point of impact. Then judge the direction of impact as per the

nature and the cause of losses. Locate the end point up to which the impact has

affected the vehicle. Insurers are only liable to pay the losses that

occur in between the starting point and end point.

Knowledge of the “LOCATION OF PARTS”.

FRONT RIGHT IMPACTFRONT RIGHT IMPACT SOME PHOTOGRAPHSSOME PHOTOGRAPHS

PARTS WHICH MAY BE DAMAGED ARE AS UNDER:-PARTS WHICH MAY BE DAMAGED ARE AS UNDER:-

1.1. Head lamp (for all)Head lamp (for all)2.2. Fender/cowl panel (for all)Fender/cowl panel (for all)3.3. Condenser (for cars)Condenser (for cars)4.4. Steering box (for all)Steering box (for all)5.5. Alternator (for all)Alternator (for all)6.6. Timing portion (for cars)Timing portion (for cars)7.7. A.C. Compressor (for cars)A.C. Compressor (for cars)8.8. Turbo charger (for all)Turbo charger (for all)9.9. Brake booster (for all)Brake booster (for all)10.10. Coolant bottles and other fitting items (for cars)Coolant bottles and other fitting items (for cars)11.11. Apron/wheel house (for LMV)Apron/wheel house (for LMV)12.12. Cowl panel (for LMV)Cowl panel (for LMV)13.13. Door post pillar (for LMV)Door post pillar (for LMV)14.14. W/s glass (for all)W/s glass (for all)15.15. Instrument panel (for all)Instrument panel (for all)16.16. Control pedals (for all)Control pedals (for all)17.17. Steering rods/ steering column (for all)Steering rods/ steering column (for all)18.18. Meter cluster and control switches (for all)Meter cluster and control switches (for all)19.19. Floor panel (for all)Floor panel (for all)20.20. Roof panel (for all)Roof panel (for all)21.21. Driver seat and fitting items (for all)Driver seat and fitting items (for all)

FRONT CENTER IMPACTFRONT CENTER IMPACT• SOME PHOTOGRAPHSSOME PHOTOGRAPHS

• PARTS WHICH MAY BE DAMAGED ARE AS UNDER:-PARTS WHICH MAY BE DAMAGED ARE AS UNDER:-

1.1. Front bumper (for all)Front bumper (for all)2.2. Silencer (for Tata 4018/3516)Silencer (for Tata 4018/3516)3.3. Front grill (for all)Front grill (for all)4.4. Front member (for LMV) Front member (for LMV) 5.5. Condenser/Intercooler (LMV/HTV)Condenser/Intercooler (LMV/HTV)6.6. Radiator (for all)Radiator (for all)7.7. Fan (for all)Fan (for all)8.8. Viscous assy./ Water body (for all)Viscous assy./ Water body (for all)9.9. Engine with gear & differential assy./ Engine block (for cars/ for jeep & Engine with gear & differential assy./ Engine block (for cars/ for jeep &

trucks)trucks)10.10. Engine mounting (for all)Engine mounting (for all)11.11. Engine cross member (for all)Engine cross member (for all)12.12. Flywheel/clutch/gear housings (Jeep and HTV)Flywheel/clutch/gear housings (Jeep and HTV)13.13. Gear cross member (Jeep and HTV)Gear cross member (Jeep and HTV)14.14. Propeller shaft (Jeep and HTV)Propeller shaft (Jeep and HTV)15.15. Differential assy.(Jeep and HTV)Differential assy.(Jeep and HTV)

FRONT UNDER CHASSIS IMPACT• Some photographs

• Parts which may be damaged are as under:-

1. Front bumper (for all)2. Front cross member (for all)3. Oil pan (for all)4. Front suspension parts (for all)5. Front axle (for all)6. Steering rack and pinion (for LMV)7. Floor panel (for LMV)8. Silencer assy. (for all)9. Rear suspension (for all)10. Rear axle (for all)11. Fuel tank (for LMV)

FRONT UPPER IMPACTFRONT UPPER IMPACT Some photographsSome photographs

Parts which may be damaged are as under:-Parts which may be damaged are as under:-

1.1. Front member (for LMV)Front member (for LMV)2.2. Cowl/cabin (for trucks)Cowl/cabin (for trucks)3.3. Bonnet (for LMV)Bonnet (for LMV)4.4. Head lamps (for LMV)Head lamps (for LMV)5.5. Air cleaner (for all)Air cleaner (for all)6.6. Battery (for LMV)Battery (for LMV)7.7. Cowl panel/dash panel (for all)Cowl panel/dash panel (for all)8.8. Wiper motor/arm/blades/links (for all)Wiper motor/arm/blades/links (for all)9.9. W/s glass (for all)W/s glass (for all)10.10. Front pillars/side bodies (for all)Front pillars/side bodies (for all)11.11. Roof panel (for all)Roof panel (for all)12.12. Instrument panel and fitting items (for all)Instrument panel and fitting items (for all)

FRONT LEFT IMPACT• SOME PHOTOGRAPHS• PARTS WHICH MAY BE DAMAGED ARE AS UNDER:-1. Front bumper (for all)2. Chassis (for LTV and HTV)3. Head lamp (for all)4. Fender/cowl panel (for all)5. Radiator (for LMV)6. Air cleaner (for HTV)7. Fuel Injection pump (for Jeep and HTV)8. Timing portion (for Jeep and HTV)9. Air Compressor (for HTV)10. Battery (for LMV)11. Fuse box and other fitting items (LMV and LTV)12. Apron/wheel house (for LMV and LTV)13. Cowl panel (for all)14. Door post pillar (for LMV and LTV)15. W/s glass (for all)16. Floor panel17. Steering oil container (for HTV)18. Roof panel19. Battery (for LTV and HTV)

RHS IMPACTRHS IMPACT

• Some photographsSome photographs• Parts which may be damaged are as under:-Parts which may be damaged are as under:-1.1. Complete RHS fender to quarter panel (for Complete RHS fender to quarter panel (for

LMV)LMV)2.2. RHS front/rear suspension parts (for all)RHS front/rear suspension parts (for all)3.3. RHS cabin/cowl/load body (for HTV)RHS cabin/cowl/load body (for HTV)4.4. RHS doors (for LMV)RHS doors (for LMV)5.5. RHS Pillars/side body panel (for LMV/ HTV)RHS Pillars/side body panel (for LMV/ HTV)6.6. RHS Floor assy. (for LMV)RHS Floor assy. (for LMV)7.7. Roof panel (for LMV/HTV)Roof panel (for LMV/HTV)8.8. Seats (for LMV)Seats (for LMV)

LHS IMPACTLHS IMPACT

• Some photographs• Parts which may be damaged are as under:-1.Complete LHS fender to quarter panel (for LMV)2.LHS front/ rear suspension parts (for all)3.LHS cabin/cowl/load body (for HTV)4.LHS doors (for LMV)5.LHS Pillars/side body panel (for LMV)6.LHS Floor assy. (for LMV)7.Roof panel (for LMV)8.Seats (for LMV)

REAR IMPACTREAR IMPACT Some photographsSome photographs

Parts which may be damaged are as under:-Parts which may be damaged are as under:-

1.1. Rear bumper (for all)Rear bumper (for all)2.2. Rear member (for LMV)Rear member (for LMV)3.3. Rear cross member (for jeep and HTV)Rear cross member (for jeep and HTV)4.4. Back door (for LMV)Back door (for LMV)5.5. Back door glass (for LMV)Back door glass (for LMV)6.6. Dala (for HTV)Dala (for HTV)7.7. Support planks and structure (for HTV)Support planks and structure (for HTV)8.8. Door shockers (for LMV)Door shockers (for LMV)9.9. Chassis frame (for jeep and HTV)Chassis frame (for jeep and HTV)10.10. Floor panel (for LMV)Floor panel (for LMV)11.11. Quarter panels (for LMV)Quarter panels (for LMV)12.12. Roof panel (for LMV)Roof panel (for LMV)13.13. Fuel tank (for LMV)Fuel tank (for LMV)

OVERTURNING IMPACTOVERTURNING IMPACT

► Some photographsSome photographs

► Parts which may be damaged are as Parts which may be damaged are as under:-under:-

► Body shell/ cabin/ cowl/ load body (for all)Body shell/ cabin/ cowl/ load body (for all)► Engine damages- Engine damages-

1.1. Actual losses due to proximate causeActual losses due to proximate cause2.2. Consequential losses Consequential losses

CONSEQUENTIAL LOSSES

Parts which are not damaged due to direct impact or proximate cause are consequential losses.

Parts generally damaged due to consequences of the loss:-

1. Engine Assy.2. Gear Assy.3. Differential Assy.4. Tyre5. Drive shafts (in LMV)

The parts damaged due to consequences can be easily distinguished from the nature of damages they attain. For example deep scratch marks on drive shafts, damaged or burnt teeth of gears, wear tear on tyres and seizure of engine.

KNOWING ABOUT THE ENGINE

Assembling an engine

Working of an engine

MODES OF SETTLEMENTMODES OF SETTLEMENT

Repairing basisRepairing basis Total loss basisTotal loss basis Net of salvage basisNet of salvage basis Cash loss basisCash loss basis

HAVE A NICE DAYHAVE A NICE DAY