Instive Blog

An automobile assessor evaluates vehicle damage and helps the insurer understand repair needs, costs and sometimes value. The assessor's report informs the claim, while the insurer determines coverage and settlement under the policy.

A total-loss decision usually considers the damage, safe repair prospects, estimated costs and the vehicle's value under the policy. There is no universal percentage that should be assumed to apply to every insurer and vehicle.

A write-off or total loss means the insurer considers settlement on a total-loss basis under the policy, rather than an ordinary repair. It does not automatically mean you receive the figure you originally paid or the outstanding loan balance.

An uninsured driver's involvement can make recovery more difficult. Your own policy may offer a route for covered damage if you have suitable comprehensive protection, but third-party-only cover generally does not fund your own collision repairs.

If another driver caused your accident, there may be a claim against that driver or their insurer. You should still notify your own insurer promptly and preserve evidence. Responsibility and payment must be assessed.

Police documentation may be important after an accident, but requirements depend on the circumstances, applicable reporting rules and your insurer. Ask the authorities and insurer what is required for your incident.

Begin a motor claim by notifying your insurer or authorised representative promptly and requesting the relevant claim form and document checklist. A report opens the assessment process; it is not automatic acceptance of the claim.

After a car accident, protect people first, obtain emergency help when needed and report the incident promptly. Once it is safe, gather clear evidence so the insurer can understand what happened.