CAR INSURANCE
A practical guide to what changes in your repair claim and what does not.
THE BASICS
Comprehensive or own-damage cover comes first; zero dep changes depreciation treatment.
CLAIM MATH
SBI General's illustrative example applies 50% depreciation to an eligible ₹12,000 plastic part.
POLICY CHECK
Deductibles, consumables, non-approved work and add-on claim limits can still leave a balance.
TOTAL LOSS
The current ICICI Lombard wording uses this constructive-total-loss threshold; policy terms govern.
RENEWAL CHECK
Confirm the base cover, eligibility, claim count, parts, deductibles and IDV.
READ THE FULL GUIDE
Numbers, comparisons and what to check next.
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