Accident report
Recording accident details, location, date, vehicle, policy reference and initial attachments.
From report to settlement.A clear, customizable journey.
MASAR provides a connected digital path for tracking the accident’s status, documents, assignments and approvals, while the insurer sets the order of procedures, which ones are needed and who has authority over each decision.
The accident and claim cycle
A reference model for coordinating the parties, not a uniform sequence imposed on insurers. Mandatory steps vary by policy, accident type and each company’s conditions.
Customer or insurer
Verification and file opening
Creating the incident and claim references when available, and verifying against company policy and the insurance policy.
Official documents
Uploading the traffic or police report, or proof it is not required, according to the file and company rules.
Choosing the documentation method
Field, guided or self-documentation, with a recorded reason whenever the path changes.
Carrying out documentation
Photo checklist, answers, location, timing and the evidence upload record.
Technical review
The technical report, or a request for completion or re-documentation, according to permissions.
Repair estimate
Receiving the estimate, repair details, invoices and attachments, and confirming the document’s source.
Claim review
Checking the policy, documents, assessment, estimate and coverage conditions.
Approval per authority
Tiered approval, rejection or request for completion, with the reasons and time of each decision.
Payment and settlement
Recording the settlement amount and payment status, or receiving a notice from the finance system.
Notification and closure
Showing the status to the customer and archiving the file according to the retention policy.
A simple, clear status for the customer
The simplified status customers see is separate from the internal work status and the insurer’s system status, so they know where their request stands and what is needed from them, without exposing internal company information.
- Draft
- Request submitted
- Documents needed
- Arranging inspection
- Inspection in progress
- Inspection completed
- File under review
- Completing repair estimate
- Request under study
- Awaiting decision
- Decision issued on the claim
- Compensation in process or paid
- File closed
Flexible approvals and responsibilities
One case may need a claims employee’s approval, another a claims manager’s approval or extra technical review. Approvals are therefore managed through independent permissions, not a fixed order imposed by MASAR.
Approval matrix
Review and approval stages set by the insurer according to claim type and authority limits.
Connected accident file
Documents, reports and updates collected in one record for the request.
Permissions and audit trail
Showing who did each step and when, with separate permissions for viewing, editing, approving and paying.
Limits of responsibilityTechnology organizes the journey.
Technology organizes the journey.
The decision stays with the authorized party.
MASAR does not issue damage assessment reports, decide compensation eligibility or amount, or carry out payment. Its role is to provide the tools, the case record and the flow of information to authorized parties.
Independent roles
The inspector documents according to the assignment, the expert assesses within their specialty, and the insurer decides and carries out settlement.