Cashless authorization, claim admissibility and final approval depend on the customer’s policy terms, insurer approval, survey findings and applicable network/cashless arrangements.
Separating old damage from the reported loss
The following planning guidance explains a specific part of the workshop process. It does not claim special Raheja QBE benefits or replace the insurer’s policy wording and claim instructions.
Point out older marks at intake
Disclose scratches, dents or previous repairs that existed before the incident. Their presence does not prevent discussion of the new repair; it makes the starting condition clearer. Do not describe an older defect as new simply because the car is already at the workshop.
Separate wear from accident findings
A worn bearing, overdue service or aging battery may need attention without being related to an impact. The technician can describe what was found, but the insurer decides whether the evidence supports claim inclusion. Ask for unrelated maintenance on a separate estimate.
Use photographs to reduce disagreement
Where available, earlier photographs can help explain the vehicle’s previous condition. Keep new intake pictures with the reported incident records. Do not edit or selectively alter photographs to obscure pre-existing damage.
Useful preparation for this enquiry
- Honest disclosure of previous damage or repairs
- Earlier condition photographs, if available
- Separate instructions for any unrelated maintenance
Can old damage be included because the same panel was hit again?
Describe both conditions accurately. Raheja QBE decides what is admissible for the reported event and policy.
Continue planning your repair
Independent workshop notice: Raheja QBE 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.