A document prepared by the insurer after accepting an event as covered by the policy. It records the compensation amount and serves as the basis for payment.
The car has been inspected, the documents submitted and the repair cost assessed. But an inspection does not mean the insurer has approved a payment. Insurers use a separate document for this: the insurance claim report.
The insurer prepares it after accepting the event as covered by the policy. The report states the compensation amount and serves as the basis for an insurance payout.
Put simply:
Under EUROASIA Insurance's KASKO terms, which provide voluntary insurance for the car itself, the report is prepared after the insured event is accepted. For example, with a partial loss, the car is restored and the insurer calculates compensation for the covered damage.
Damage documents may also be needed without a collision: a car could have been damaged by hail or another person's actions. The evidence required depends on the cause and the policy. The guide to claiming under KASKO without a road accident explains how to contact the insurer.
An event notification or claim application is the customer's account of what happened. An inspection record and assessment report help document damage and support repair costs. They do not, by themselves, confirm the insurer's payment decision.
The insurance claim report is prepared after the claim has been reviewed. If the damage is compensated through repairs, a separate certificate of completed work may be issued. It confirms the repairs and does not replace the insurance claim report.
The document's form and signing procedure depend on the type of insurance and the contract. If you are asked to sign it, read it first. If the calculation is unclear, ask for an explanation and check the supporting documents.
It is a mistake to treat every report as confirmation of a payout. An incident record, vehicle inspection and repair bill serve other purposes. Preparing the insurance claim report also does not mean the money has already reached your account.
If the event is not accepted as covered, EUROASIA Insurance's KASKO terms require the insurer to give a written refusal explaining the reasons. Having incurred expenses does not guarantee compensation: the decision depends on the contract conditions.
An owner compares the workshop bill with the insurer's calculation. The bill may include work on old damage unrelated to the reported event. Clarify which work was excluded and why, rather than looking only at the total. Check those items before signing so you understand what the payment covers.
The situations below are fictional teaching examples. The amounts illustrate the concept and are not actual company payouts.
Nodira from Tashkent reports damage to a car wing. In this teaching example, the event is covered, the documents are confirmed and compensation is calculated at 3 000 000 UZS.
The insurer prepares an insurance claim report for 3 000 000 UZS, then transfers that amount under the contract procedure. The vehicle inspection was part of the assessment; the report became the basis for payment.
Aziz from Samarkand receives a bill for 5 000 000 UZS. In this fictional situation, 1 000 000 UZS relates to old damage unrelated to the reported event.
The insurer accepts covered damage of 4 000 000 UZS and records that amount in the report. Aziz asks for the calculation to be explained and checks the work listed: the insurance claim report does not have to match the entire workshop bill.
Bekzod from Andijan spends 2 000 000 UZS replacing worn parts. Natural wear is excluded under the contract in this teaching example.
These 2 000 000 UZS are not reimbursed; the insurer explains the refusal in writing. The workshop repair document does not replace acceptance of an insured event or the insurance claim report.
This is a road incident in which harm was caused to people, vehicles, roads, structures, or other property.
This is a simplified procedure for recording a traffic accident without calling traffic police, when the drivers themselves document the circumstances for insurance settlement.
KASKO is insurance that protects not someone else’s car, but your own. Put very simply, it is like a financial safety cushion for your vehicle: if there is an accident, a broken window, parking damage, a fallen tree, or even theft, the insurance company can take on part of the big expenses. The main idea is simple: KASKO helps you avoid facing major car-related costs alone.
Motor Third-Party Liability is an obligation to compensate for harm caused to other people or their property through the use of a vehicle. Who is responsible for the harm is determined by law and the circumstances of the incident.
Insurance for a car loan is protection connected not just with the car itself, but with buying that car on credit. Put very simply, the bank gives money for the vehicle and wants to be sure that both the car and the repayment process remain protected. That is why insurance often comes together with a car loan: it helps reduce risks both for the bank and for the borrower if something serious happens to the car.
This is a modular car insurance product in which the vehicle owner chooses which parts of the car and which risks to insure.
Our experts will help you choose the best insurance coverage
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