| An accident insurance claim usually involves strict | | | | Home - If you find yourself in any kind of trouble at |
| regulations and minute speculations which your | | | | home inform your insurer before you call the repair |
| insurance company will be able to go through with | | | | person. They will guide you with necessary assistance |
| you. You should think properly before you decide on | | | | and will take the responsibility of helping to coordinate |
| the claim and when you are ready with all the | | | | any repairs. This emergency assistance provided by |
| necessary details, call the insurance company. | | | | the insurance company is an additional support, which |
| Inform the company accordingly about the event | | | | is usually mentioned in the policy papers. |
| either through phone or through person and provide | | | | After you are out of trouble, check for any damage |
| as many details you can. Try to be straightforward | | | | done to your house or property. Record every |
| while providing the information so that nothing is | | | | details of the damage with evidences such as |
| missed out. If there is any contradiction found | | | | pictures, a witness of the emergency, service |
| between the event and the information, the full | | | | provider, records of purchase of the properties that |
| insurance cover may be jeopardized. There could | | | | includes its prices, date, time, extent of damage and |
| even be delay in the payment. | | | | other related things. Submit your asserted claim to |
| If possible, produce the original documents and | | | | the company before the deadline and wait for their |
| records as evidence and assist the officials from the | | | | action. |
| insurance company including the investigator and the | | | | Travel - Make sure your insurer is kept up to date |
| doctor (if applicable). | | | | with your medical state. It is also important to see a |
| Types of Insurance claims | | | | doctor before you travel to make sure you receive |
| There are generally three types of accident claim | | | | all necessary vaccines. Failure to do so may void your |
| scenarios and they are Car, Home and Travel. The | | | | policy, so if you are unsure consult your insurer. If an |
| details of these insurance claim situations are listed | | | | event happens whilst on holiday be sure to gather |
| below for your reference. | | | | and document as much evidence as you can then |
| Car - If you happen to be involved in a car accident, | | | | contact your insurer as soon as possible. Maintain all |
| see if there are any casualties or injured people - if it | | | | the medical records including prescriptions and |
| is a serious situation call 000. Do the same if there is | | | | receipts of medical bills. Keep in touch with the insurer |
| any hassles with the driver or if they are drunk. | | | | and inform them about the current situation. For |
| On first instance, never admit your fault or take the | | | | theft, report to the local police immediately and |
| liability of the incident and agree to pay them for the | | | | arrange for the written police report of the enquiry |
| damage. If they force you, call the insurance | | | | made by them. This report must be submitted to the |
| company and inform your insurer. | | | | insurer within 24 hours of the incident. Make a |
| Take down some necessary information as | | | | possible list of the items that got stolen and arrange |
| evidences that would be handy at the time of | | | | for purchase receipts as proof of ownership. Make |
| settlement of the claim. Note the names, contact | | | | the insurer believe that there was no fault of your |
| numbers, addresses, phone numbers of the | | | | behalf and this was a mishap. |
| witnesses and the parties involved, even mention the | | | | Remember it is better to be thorough with insurance |
| speed limit of the car, as well as time and date for | | | | claims than to be careless and risk missing out on a |
| quick reference. | | | | claim. If you are unsure about any part of the claims |
| Ask for the insurance policy details from the driver | | | | process you should contact your insurer to check |
| and if possible take some pictures of the scene and | | | | and avoid making a costly mistake. |
| construct a brief layout of the road. | | | | |