Cashless authorization, claim admissibility and final approval depend on the customer’s policy terms, insurer approval, survey findings and applicable network/cashless arrangements.
Explaining deductions and add-on questions
The following planning guidance explains a specific part of the workshop process. It does not claim special Shriram General benefits or replace the insurer’s policy wording and claim instructions.
Read the actual add-on schedule
Ask which purchased add-ons were in force on the incident date. A benefit advertised for a product does not prove that your policy includes it. Confirm the insurer’s treatment of the particular damaged item and the applicable terms.
Request the basis of a deduction
If a contribution is expected, ask whether it relates to a deductible, depreciation, an excluded charge or work outside the claim. A clear category helps you compare the insurer’s explanation with the workshop invoice without assuming a charge is an error.
Decide separately about uncovered work
You can ask the workshop for an estimate for work the insurer does not authorise. Have the price, method and your consent recorded before proceeding. A claim rejection for one item should not be silently converted into customer approval of that item.
Useful preparation for this enquiry
- Policy schedule showing purchased add-ons
- The insurer’s deduction or approval explanation
- Your budget and approval for separately funded work
Does the workshop decide which deduction my policy allows?
No. Ask Shriram General for the policy basis; CarTech Hub can explain the corresponding repair and invoice lines.
Continue planning your repair
Independent workshop notice: Shriram 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.
