Need info regarding insurance claim (Expert's advise needed)

[512a]

Hello guys , anyone here have any idea regarding insurance ? i had my alto parked in the street and someone hit it and broke the rear bumper . i am currently in Quetta and i have called for a claim . The surveyor inspected the car and suggested the bumper change , but the problem is that he is asking me to pay the bill to the showroom by giving excuse that they do not have credit system with the concerned showroom and the insurance company will refund me the check within a month . As far as i know the insurance company pays itself ,

1: I want to confirm this procedure that does insurance work like this as well ?
2: Another question is that what if i dont get it repaired here and take the car to islamabad (i will return to islamabad after 4 months as i have an exam here in Quetta ) where i had claimed my insurance a few months back , would insurance company make a trouble on not getting it repaired ?

[azfarnb]

You can have your claim from two places,

1. Insurance panel workshops
2. Workshop of your preference not on the panel

In case of # 1, you will not be charged for paint jobs, parts replacement will be charged according to the schedule. First 6 months = 5%, next 6 = 10%, next 12 =20% and so on. So, 5/10/20% of cost of bumper will be charged while the paint job will not be charged.

In case of # two (workshop not on the panel), you will have you bumper replaced at full price, whatever it is, insurance will pay you ONLY what they think is the price of the job. For example, if your #2 workshop charged you 10,000 for rear bumper but the insurance company can get this done from THEIR workshop for 5,000, they will pay you 5,000 for the job and not 10,000. They will pay it to you in check after 3/4 weeks of the claim.

Another example: 3S dealership will charge you full price for bumper replacement + paint as in individual customer but if that 3S is on their panel, insurance will pay half or whatever their deal is with them.

Ab coming to your specific issue, ask him and have it in writing on the estimate that insurance will cover the full bill - with his sign and stamp. If he doesn’t, then dont trust the guy and kaam islamabad say insurance panel workshop say kra lo. Just dont tell them that its a 4 month old accident

[512a]

Do they give any proof from insurance company regarding my payment ? or is it just verbal ?like what would be the proof with me that i had purchased this bumper and the insurance company is liable to pay me the compensatory check ? (if i dont receive the check in a month or so )

[azfarnb]

Surveyor will come to the workshop, approve the quote of the workshop and take quote with him, you will get your work done and will wait to get your check.