On payment of the capital sum insured under a personal accident policy, the policy stands cancelled.
Payment of a claim under individual fidelity guarantee policy automatically terminates the policy.
Salvage generally refers to damaged property. On payment of loss, the salvage belongs to insurers.
If the claim amount is small, the investigation to determine the cause and extent of loss is done by an officer of the insurer. But for other claims it is entrusted to independent licensed professional surveyors who are specialists in loss assessment.
In general the claim form is designed to get full information regarding the circumstances of the loss, such as date of loss, time, cause of loss, extent of loss, etc.
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