🛡️ Insurance · Sequence
Motor Insurance Claim Sequence
What happens between a policyholder, the insurer's app, a surveyor and a garage when a car insurance claim is made.
Drawing diagram…
What this diagram shows
- Photos and FIR are collected in the app before a surveyor is assigned
- Cashless claims are settled directly with the network garage
- The customer only pays the deductible and non-covered parts
Prompt used
Motor insurance claim sequence: the policyholder registers a claim in the insurer's app with photos and FIR if needed. The claims service validates the policy and assigns a surveyor. The surveyor inspects the car and uploads an estimate. The claims service approves the amount; for cashless claims the network garage repairs the car and the insurer pays the garage directly; the customer pays only the deductible.
Mermaid code
sequenceDiagram actor P as Policyholder participant A as Insurer App participant C as Claims Service participant S as Surveyor participant G as Network Garage P->>A: Register claim with photos A->>C: Create claim C->>C: Validate policy and cover C->>S: Assign survey S->>G: Inspect car at garage S->>C: Upload estimate C->>C: Approve amount C-->>G: Cashless approval G->>G: Repair car G->>C: Final invoice C-->>G: Pay approved amount P->>G: Pay deductible and collect car
Related templates
Insurance Claims Lifecycle
The states of an insurance claim from first notice of loss to payment or closure, including investigation and appeals.
Insurance Policy Administration System
The core system of an insurer: quoting, underwriting, policy issue, billing and claims, used by customers, agents and underwriters.
Insurance Underwriting Workflow
How a life or health insurance proposal is underwritten: automated rules, medical tests where needed, and the underwriter's decision.
Insurance Quote to Bind Sequence
How a customer buys motor insurance online: quote, add-ons, vehicle and previous-policy checks, payment and instant policy issue.
Insurance Database Schema
A relational schema for an insurer: customers, policies, coverages, insured objects, premiums, claims and payments.
Insurance Claim Fraud Scoring
How an insurer scores incoming claims for fraud: data enrichment, rules, an ML model and a special investigation unit queue.