Insurance companies will often be able to help you with your accident insurance claim. Before you make a decision on your claim, you should do some research. Once you have all details in order, you can call the insurance company.
Tell the company about the event by phone or in person. Give as much detail as possible. Be clear and concise in your information. The full coverage of your insurance may be affected if there are contradictions between the events and the information. The payment could be delayed.
As evidence, provide original documents and records if possible and help the investigators and doctors (if applicable).
Types of insurance claims Below are details about these types of insurance claims.
Car – In the event of a car accident, check to see if any people are hurt or have been injured. If it is serious, call 000. If you have any issues with the driver, or if they are drunk, do the same.
In the first instance, do not admit fault. Call your insurance company to inform your insurer if they make you admit fault.
Note down any information that is necessary to support the claim at settlement. Notify the witnesses, names, addresses, phone numbers and contact numbers of all parties. Also, note the speed limit and time for easy reference.
Ask the driver for details about his insurance and, if possible, take pictures of the scene to help you create a sketch of the road.
Home – Before calling the repair person, inform your insurance company if you are in any trouble at home. They will provide you with the necessary assistance and coordinate any repairs. The insurance company will provide additional assistance in an emergency situation, as a matter of course.
Once you have gotten out of trouble, inspect your property for damage. Keep track of all the details, including photos, witnesses, service provider, and records of purchases, which include prices, dates, times, and any other relevant information. You can submit your claim to the company by the deadline. The company will then take action.
Travel – Check that your insurance is up-to-date with your medical status. To ensure you get all the necessary vaccines, it is important that you see a doctor prior to you travel. You could lose your insurance policy if you fail to do so. You should gather as much evidence as possible to notify your insurer as soon after an unfortunate event occurs while you are on vacation. Keep all medical records, including prescriptions and receipts for medical bills. Inform your insurer about the situation. Report theft to the police immediately. They will then send you a written report. Within 24 hours of the incident, the police report must be sent to the insurance company. As proof of ownership, make a list of all the items that were stolen. The insurer should believe there was no fault on your part and that this was an accident.
It is better to be thorough when filing insurance claims than to be negligent and miss out on a claim. To avoid costly mistakes, you should always consult your insurer if you have any questions about the claims process.
