Cashless authorization, claim admissibility and final approval depend on the customer’s policy terms, insurer approval, survey findings and applicable network/cashless arrangements.
Before an accident-repair assessment
The following planning guidance explains a specific part of the workshop process. It does not claim special ICICI Lombard benefits or replace the insurer’s policy wording and claim instructions.
Confirm instructions before altering the vehicle
Ask the insurer what inspection or assessment is required before dismantling or repair. Emergency safety needs should be explained promptly. Starting cosmetic work simply to make the vehicle look better can obscure the original condition that an assessor needs to see.
Use an intake record as a shared reference
Point out warning lights, steering changes, leaks and concerns that began after the impact. Also identify pre-existing dents or faults. A written record allows you and the workshop to discuss the same starting condition without assigning coverage in advance.
Distinguish assessment from repair consent
An assessor’s visit is not a blanket instruction for every proposed job. Confirm the insurer’s authorised scope and your own consent to any separate charge. Discuss whether further diagnosis is needed before deciding on a repair or replacement.
Useful preparation for this enquiry
- Insurer instructions about pre-repair assessment
- Symptoms noticed since the accident
- Details of any recovery or emergency work already performed
Can the workshop decide whether every reported fault is insured?
No. It can inspect and document findings, but ICICI Lombard determines coverage under the specific policy and loss.
Continue planning your repair
Independent workshop notice: ICICI Lombard General Insurance and its trademarks belong to their respective owner. CarTech Hub is an independent multi-brand workshop and does not decide claim coverage. This page does not assert insurer empanelment or guarantee cashless settlement. Cashless authorization, claim admissibility and final approval depend on the customer’s policy terms, insurer approval, survey findings and applicable network/cashless arrangements. Confirm current eligibility for the specific policy, vehicle and loss before authorising work.
