Unfortunately, at some point car accidents may occur, and that’s when we need to submit a claim. Everything is usually smooth sailing with car insurance until it comes to claim stage. There is a lot of money at stake, and the last thing anyone would want is to have a claim rejected. Read on and find out what to do and not do when it comes to car insurance claims.1
The following are tips you could follow should they apply to you when making a car insurance claim.
Notify the police 1
Report the accident to the nearest police station as soon as possible. They will provide you with a case number that must be sent to your insurer.
Contact your insurer 1
Time is of the essence while everything is still fresh in your mind. A serious delay in informing your insurer may compromise your claim.
Take lots of pictures 1
Always be honest and truthful when completing a claim form. Make sure that your description of what happened, including the damages and injuries sustained, is accurate. Any inaccuracies and assumptions could cause further difficulties when the claim must be settled.
What about legal aspects? 1
The insurer may have their legal team involved, and thus co-operation with your insurer about all the facts is crucial. Accurate evidence will be helpful for any later litigation.
The following are things you should not do when making an insurance claim.
Never leave the scene of the accident 1
Not only is leaving the accident scene illegal, but your insurer may reject your claim if you do.
Contain your emotions1
Emotions can escalate rapidly, especially when the other driver starts accusing you of all sorts of things. Any type of verbal abuse or physical assault can seriously compromise your claim. Charges can be laid against you for any assault you may commit against a third party.
Never leave the scene without all of the details 1
Even though an accident is very disturbing, it is one small window of time during which we have to collect as much information from the other driver as possible, as well as from any witnesses present. Record all names, contact numbers and addresses.
Disclaimer
This article should only be considered for information purposes as car insurance is not straightforward. Please obtain professional advice from a certified financial advisor if you want to purchase car insurance.
It is good to keep these do’s and don’ts in one’s mind so that you know what to do in the event of any accident. Talking about car accidents, are you sure your car is fully covered? Get affordable and reliable comprehensive car insurance with Prime South Africa .
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