Whenever a surveyor finds that a vehicle is either beyond repairs or the cost of loss repair exceeds 75% of the IDV; he assesses the claim on a Constructive Total Loss basis (CTL).
Wherever, a surveyor has to be appointed for assessing a loss / claim, it shall be so done within 72 hours of the receipt of intimation from the insured.
Violations of traffic laws' leading to accidents on the road will be classifiedHuman Cause of accidents.
An insurance fraud happening due to the involvement of an insurance agent will be classified as a fraud due to internal source.
Loitering animals leading to accidents on the road will be classified under environmental cause of accidents.
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