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 & Immediate Actions: Six steps, in order: Your safety comes first. Once everyone is safe, follow these steps. They protect your claim and speed up the settlement.
Immediate steps
In the first 30 minutes. Highlights include: Response.
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
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
Step-by-step actions following a road accident.
01
Turn on hazard lights, move to a safe spot if possible, and seek immediate medical care for any injured occupants or third parties.
02
03
04
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.
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.