Sometimes, the repair costs after an accident can be more than the sum insured. This usually happens in major accidents or due to complex technological repairs. In many cases, insurers appoint loss adjustors and surveyors to ensure maximum repairs are done within the ambit of the insurance policy.

Here's what usually happens:

• If new issues are found, the repair shop contacts the insurer to request a revised approval.
• The insurance company's surveyor does an updated assessment.
• If justified, the insurer may approve the additional cost, which fits within your policy terms.
• If the cost exceeds your policy's coverage, you may need to cover the remaining amount.
• Always keep all repair and assessment documents in case of a dispute.

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