What must an insurer do after receiving a statement of charges regarding damage to a motor vehicle?

The requirement for an insurer after receiving a statement of charges regarding damage to a motor vehicle is to process the claim. Upon receiving the statement, the insurer typically evaluates the submitted information, which includes the charges related to the repairs. If the statement complies with policy terms and the insurer finds the charges valid, the insurer is then mandated to proceed with processing the claim for payment.

Processing the claim involves confirming that the coverage is applicable, ensuring all necessary documentation is in order, and confirming that the charges reflected are justified based on the insurance policy. Once these aspects are verified, the insurer can then authorize payment for the repairs as stipulated in the policy.

In situations where claims require further investigation, more information from the garage, or prior authorization for repairs, these steps occur only as needed based on the specifics of the claim and are not immediate requirements upon receipt of the statement of charges.