November 12, 2014
It is amazing how very few people know exactly what to do in case of an accident on the road so as to make their claims process easy. It can make a difference between a straightforward claim and one that will wind on for months. It pays to understand what your car insurance provider will require from you in order to know that to do after an accident. Be keen to do the following in case you are involved in a road accident.
Step 1: Assess the Damage
Carry out a quick assessment of the damage to your car. Do not assume that because the impact took place at a low speed the damage on your car is minimal. Check for cracks on lights, dents and any leaks coming from your car. If the damage is minor, and you think there’s no need to involve your motor insurance provider, negotiate with the other person and if you agree, let it rest.
Step 2: Call the Police
If the situation is beyond what you can handle, call the nearest police officer. The police officer will assess the damage and will determine who is at fault. Do not move your car before the police officer arrives, and get in touch with your insurance agent for further advice on what to do. It may be helpful to take photos of the accident scene before the cars move. Scan the general area to confirm that it is safe for you to wait there. If in doubt, make a decision that best guarantees your safety, but document the scene as well as you can.
Step 3: Report the incident to Your Motor Insurance provider
Once you have all the information you need from the scene, report the incident formally to your motor insurance provider. Based on their assessment, a decision will be taken on whether you can drive to the nearest authorised garage, or whether you will need a tow truck to move the car. The insurance company will also send an assessor to determine the value of damage to your car.
Step 4: Fill a Motor Claim Form
The next step is to fill a motor claim form from your motor insurance provider. This form is your formal application to the insurance company to settle your claims based on your policy. The insurance company considers your application and set in motion the process of compensating you. After you have filled the motor claim form, you send it back with required attachments such as a copy of the motor claim form, a police abstract, and a copy of your driver’s license. If in the assessment of the insurance company your car is damaged beyond repair, then the insurance company will write it off, and pay the claim. Otherwise, it will issue the authority to repair the car if the value of the damage is less than 50% of the insured sum.
Understanding these four steps will prepare you to make a claim in case you are involved in a car accident.
Get more insurance insights from InsureAfrika