Hello readers
Again we meet with this simple blog.
I am writing this blog is only gradually became, as I am still working on the job tax sunset policy by 2015. So much of my time is taken for the job of principal.
OK buddy we are back discussing about insurance. My previous post on how to choose insurance for the car. I want to share about this time about how to claim insurance on a vehicle or car.
Because sometimes we still confused how to apply for car insurance claims. If you've been involved in a car accident and need to file an insurance claim, this article may help you understand how the claim process works.
If you've been involved in a car accident and need to file an insurance claim, this book will help you understand how the claim process works.
This paper is not a legal document and does not in any way modify or replace Your automobile insurance policy. For more information about your specific situation, speak to your insurance agent, broker, or company representative.
For any kind of claim, there are a number of points that you can follow to make the process quicker and easier. Following an incident, record as much information as you can. A lot of people collect just the name and registration details of other parties involved, but the more detail the better when it comes to lodging your car insurance claim.
Aside from the time, date and location, collect the full address, licence and registration details of other drivers involved. Also make note of whether the car is owned by someone else other than the driver and take down their details.
Other information that will help in the car insurance claims process include the colour, make, model and year of other cars involved and the extent of damage to them – it helps if you can take photos of the scene either with a digital or mobile phone camera. Take notes and photos of damage to other cars, as well as the condition of the road, weather or other external factors that may have played a part in the accident.
Depending on the nature of an accident, it can be beneficial to obtain the details of any third-party witnesses. Many people think: “Well, my sister was with me in the car so she should be a good enough witness.” However, what insurance companies look for if there is dispute over who was at fault in a collision is unbiased perspectives, so take down the names and contact details of independent witnesses if you can manage it.
If you can’t provide the details of the responsible party and vehicle that caused the accident, you will need to pay an excess. Furthermore, your no claim bonus or car insurance premium might be affected.
The other major point to note following an incident is not to admit fault or liability, and don’t attempt to settle any insurance claim made against you. A lot of people might think they are at fault immediately following an accident, but legally you may have been in the right. It’s not your job to work this out, so leave that decision to your insurance company.
If your vehicle is not driveable and you have car insurance comprehensive cover, arrange for it to be towed somewhere safe. If you are able to call your car insurer at the time, they may be able to assist in arranging a tow truck operator to attend the scene. Make sure you obtain the address details so that you can let your insurer know where your vehicle is located.
Aside from the time, date and location, collect the full address, licence and registration details of other drivers involved. Also make note of whether the car is owned by someone else other than the driver and take down their details.
Other information that will help in the car insurance claims process include the colour, make, model and year of other cars involved and the extent of damage to them – it helps if you can take photos of the scene either with a digital or mobile phone camera. Take notes and photos of damage to other cars, as well as the condition of the road, weather or other external factors that may have played a part in the accident.
Depending on the nature of an accident, it can be beneficial to obtain the details of any third-party witnesses. Many people think: “Well, my sister was with me in the car so she should be a good enough witness.” However, what insurance companies look for if there is dispute over who was at fault in a collision is unbiased perspectives, so take down the names and contact details of independent witnesses if you can manage it.
If you can’t provide the details of the responsible party and vehicle that caused the accident, you will need to pay an excess. Furthermore, your no claim bonus or car insurance premium might be affected.
The other major point to note following an incident is not to admit fault or liability, and don’t attempt to settle any insurance claim made against you. A lot of people might think they are at fault immediately following an accident, but legally you may have been in the right. It’s not your job to work this out, so leave that decision to your insurance company.
If your vehicle is not driveable and you have car insurance comprehensive cover, arrange for it to be towed somewhere safe. If you are able to call your car insurer at the time, they may be able to assist in arranging a tow truck operator to attend the scene. Make sure you obtain the address details so that you can let your insurer know where your vehicle is located.
Report the Accident
When you are involved in an auto accident involving injury or property damage, you need to report it to your insurance agent, broker, or insurance company within seven days, regardless of who is at fault.
If you are unable to report the accident within seven days, report it as soon as possible after that. If you don’t report your accident within a reasonable amount of time, your insurance company may not have to honour your claim.
Have the Facts in Accident
Your insurance agent, broker, or company representative will likely ask you to supply some basic information. To help speed things up, try to have the following information with you when you call:
Read Your Policy
It's a good idea to sit down and thoroughly read your Automobile Policy . It provides specific details about your insurance coverages, your rights and your responsibilities under the contract.
When you are involved in an auto accident involving injury or property damage, you need to report it to your insurance agent, broker, or insurance company within seven days, regardless of who is at fault.
If you are unable to report the accident within seven days, report it as soon as possible after that. If you don’t report your accident within a reasonable amount of time, your insurance company may not have to honour your claim.
Have the Facts in Accident
Your insurance agent, broker, or company representative will likely ask you to supply some basic information. To help speed things up, try to have the following information with you when you call:
- the name of the registered owner’s insurance company and his/her auto insurance policy number;
- the make, model, year, registration and licence plate number of the vehicle; and
- details regarding the accident, including:
- the driver's name and driver's licence number (if the driver is not the registered owner);
- the date, time and location of the accident,
- the extent of any injuries;
- the number of passengers involved, if any;
- the extent of damage to the vehicle;
- your description of the accident;
- the names and driver's licence numbers of the other drivers, as well as the names of their insurance companies and their auto insurance policy numbers;
- the licence plate and vehicle identification numbers of the other vehicles; and
- the name and badge number of the investigating police officer, if the accident was reported to the police.
Read Your Policy
It's a good idea to sit down and thoroughly read your Automobile Policy . It provides specific details about your insurance coverages, your rights and your responsibilities under the contract.
If you do not have a copy of the Automobile Policy , ask your insurance agent, broker, or claims adjuster for a copy, or download a copy.
The claims process will be easier to understand if you know the details of your coverage and your responsibilities.
What Happens After You File a Claim with Your Insurance Company?
What Happens After You File a Claim with Your Insurance Company?
Once your claim is reported, you will be contacted by the claims adjuster assigned to your file.
In some cases the adjuster will want to meet with you in person; in other cases the entire claim will be handled over the telephone. To support your claim, you may also be required to complete a claim form, also known as a Proof of Loss form (a sworn statement in support of your claim).
Your claims adjuster will determine the extent to which the claim is covered by your insurance policy, explain the coverages provided by your policy, and help guide you through the entire claims process.
If you have any questions or if there is something about your policy or claim that you don’t understand, ask your claims adjuster for clarification.
How Does Your Insurance Company Assess Fault?
Someone is always determined to be at-fault in an auto accident, whether partially or fully.
Insurance companies must determine the degree of fault to be assigned to each driver for purposes of determining which property damage coverages apply to the accident, and to ensure that the premiums of the driver who was more than 25 per cent at-fault are adjusted appropriately.
The Insurance Act and the Fault Determination Rules made under the Insurance Act determine fault for an auto accident. The Fault Determination Rules are regulations put in place to help insurance companies provide consumers with prompt claims handling and consistent treatment.
After you report an accident to your insurer, the company will investigate the circumstances of the accident and then make a fault decision based on the Fault Determination Rules.
Cover more than 40 accident situations, using diagrams to illustrate specific occurrences, can be applied to almost every possible road collision scenario; and are applied regardless of road or weather conditions, visibility, point of impact on the vehicles, or the actions of pedestrians.
Fault is allocated to each driver based on which accident scenario most closely resembles the accident. If the accident is not described by any of the scenarios, then fault is allocated according to the ordinary rules of negligence law.
In some cases the adjuster will want to meet with you in person; in other cases the entire claim will be handled over the telephone. To support your claim, you may also be required to complete a claim form, also known as a Proof of Loss form (a sworn statement in support of your claim).
Your claims adjuster will determine the extent to which the claim is covered by your insurance policy, explain the coverages provided by your policy, and help guide you through the entire claims process.
If you have any questions or if there is something about your policy or claim that you don’t understand, ask your claims adjuster for clarification.
How Does Your Insurance Company Assess Fault?
Someone is always determined to be at-fault in an auto accident, whether partially or fully.
Insurance companies must determine the degree of fault to be assigned to each driver for purposes of determining which property damage coverages apply to the accident, and to ensure that the premiums of the driver who was more than 25 per cent at-fault are adjusted appropriately.
The Insurance Act and the Fault Determination Rules made under the Insurance Act determine fault for an auto accident. The Fault Determination Rules are regulations put in place to help insurance companies provide consumers with prompt claims handling and consistent treatment.
After you report an accident to your insurer, the company will investigate the circumstances of the accident and then make a fault decision based on the Fault Determination Rules.
Cover more than 40 accident situations, using diagrams to illustrate specific occurrences, can be applied to almost every possible road collision scenario; and are applied regardless of road or weather conditions, visibility, point of impact on the vehicles, or the actions of pedestrians.
Fault is allocated to each driver based on which accident scenario most closely resembles the accident. If the accident is not described by any of the scenarios, then fault is allocated according to the ordinary rules of negligence law.
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