Assessment Engine — MH04 AB 1234

Auto depreciation by vehicle age, with manual override, zero-dep claim rules, IMT 23, and total loss check.

Vehicle & Policy

Date of Registration

Vehicle age (auto)

IDV — Insured Declared Value (₹)

Zero Depreciation add-on on this policy?

Yes

Number of claims already on this policy (this year)

IMT 23 (Fibre/Plastic Parts endorsement) applicable?

Yes

Repair line items

Description	Category	Amount (₹)	Depreciation %	Net Payable (₹)

Category-wise depreciation summary

Category	Amount	Dep %	Dep Amount	Net Payable
Grand Total	₹0		₹0	₹0

Total Loss check

Total repair cost (gross, before dep.)

IDV (from above)

Repair cost as % of IDV

Repairable

Mark as Total Loss

Total Loss Settlement — attaches as a separate 2-3 page report with the Final Report

Mode of Settlement

Salvage Value (₹)

Policy Excess / Deductible (₹)

IDV (Insured Declared Value)	₹0
Less: Salvage Value	₹0
Less: Policy Excess	₹0
Net Settlement Payable	₹0

This settlement block will be generated as its own 2–3 page section (Mode of Settlement, salvage details, RC/ownership transfer note, and final payable) and attached alongside the regular Final Survey Report.