The following are some Frequently Asked Questions about claims processing.
What should Insured do when an accident occurs?
•Always report accident to the police. The police report is needed to corroborate the accident and to help establish which driver is at fault.
•Report to your insurance company, and complete an accident report form.
•Submit a photocopy of the driver’s licence and make the original available for inspection.
•Submit all claims, writs, and letters unanswered to your insurance company.
•Do not admit liability, or make any payment or offer of payment without your insurance company’s consent.
•Do not effect repairs before the insurer inspects the damage and gives consent for repairs.

Who is entitled to make a claim?
•The policy holder (Insured).
•Anyone whose property has been damaged by our insured’s vehicle.
•The injured victim(s).
•The administrator of a deceased’s estate.
•Parents or guardians in the case of minors.

Period within which to make a claim
Injury – up to 3 years from the date of accident.
Death – up to 3 years from the date of the accident.
Damage – up to 6 years from the date of accident.
NB: Write a letter of claim to the insurance company concerned as soon as practicable but within the above stated period.

Relevant documentation required after liability is accepted
Injury Cases
• Letter of Claim
• Police report.
• Medical report.
• Original receipts of medical report bills incurred. (To justify the cost being claimed)
• Personal particulars.
• Sworn Affidavit.
• 2 passport-size pictures of the injured victim endorsed by the doctor who treated the victim.

Deceased (Death) Cases
•Police report.
•Death certificate / Burial permit/Post-mortem report.
•Letters of administration – Registrar’s certificate in the case of a minor.
•Personal particulars of the deceased (Age, Occupation, Income)
• Sworn Affidavit.
•Endorsed passport size pictures of administrators.

Property Damage Claim
•Letter of claim.
•Police report.
•An estimate of the cost of repairs.
•Pictures of the damaged vehicles or other property.
•A valuation or survey report from your insurer’s engineers.
•Provide driving license of the insured’s driver.
NB: In all cases, a discharge form which states the agreed quantum (amount) will be issued by the insurance company to the insured or claimant for execution and forwarded back to enable us process the cheque.

What are the reasons why a claim may be repudiated?
•Using the vehicle without the insured’s consent or permission.
•Where an unlicensed person was driving.
•Where there was no insurance cover at the time of the accident.
•Where there is change of ownership of the vehicle insured
•When the claim is statute barred claims; i.e the claim was not submitted within the period allowed.
•Using the vehicle for unauthorized purposes.
•Using the vehicle whilst the driver is drunk.