Cashless Repairs at Network Garages
The insurer settles repair bills directly with authorized workshops. You pay only compulsory deductibles and non-covered parts.
After an Accident
Accident Response Protocol & Immediate Actions
Accident response protocol and emergency checklist: What to do immediately after an accident in six clear steps. Your safety comes first. Once everyone is safe, follow these immediate actions to document damage, notify the insurer, and protect your claim.
Immediate steps
In the first 30 minutes.
01
Move to a safe spot away from traffic. Call an ambulance if anyone is injured. Turn on hazard lights.
02
03
04
05
06
Evidence to collect
Photos and information that speed up settlement.
- 01Wide shots of both vehicles and the surroundings
- 02Close-ups of every damage point
- 03The other vehicle's registration number and driver's licence
- 04Contact details of any witnesses
- 05Sketch or video of the accident spot
- 06PUC certificate of your vehicle
Claim Settlement Types
Understanding cashless repair vs reimbursement.
Reimbursement Claims at Non-Network Garages
If repaired at a local garage, pay initial bills yourself and submit original invoices, cash receipts, and surveyor reports for reimbursement.
Total Loss & Constructive Total Loss Claims
If repair cost exceeds 75% of Insured Declared Value (IDV), the claim is settled as Total Loss, paying full IDV minus salvage value.
Our Commitment
We'll walk you through it.
Save our number in your phone today. If an accident happens, one call to Insuremile and we'll take it from there.