Have you ever been in a vehicle accident? After the incident, did you deal with an insurance company? If you have answered yes, you could have been curious about the claims procedure. Even though it may be a stressful time, there are things you can do to make it more manageable.
Here are several tips to keep in mind to make filing a claim easier:
1. COLLECT AS MUCH DATA AS POSSIBLE AT THE SCENE
Take pictures to document the damage. If you feel safe doing so, take some photos of the surrounding area. If possible, take photographs of the damage done by each party, and always report any incidents involving more than one person to the authorities. A documented record of the events at the site, complete with the officer's signature and the report number, can never harm.
2. EXCHANGE INSURANCE INFORMATION
The exchange of insurance information, if possible, is crucial if there is another party involved. If feasible, you should complete this task before the authorities arrive. Once the police arrive, they often separate the parties to prevent further confrontation.
Having this information at the outset will reduce the likelihood of a holdup in processing your claim.
3. WRITE DOWN DETAILS
Information that is too specific to remember later should be written down immediately. It is useful to provide the essential details of the claim. For example, make a note of the street name and the direction you were headed in when the accident occurred. Specifically, what lane were you in? When exactly did the accident take place?
4. FILE CLAIMS AS SOON AS POSSIBLE
Notify your insurance company of the incident as soon as possible. Less time must elapse between the transmission of information from the insured to the adjuster for the facts to be more accurate and current. The adjuster will have a far better understanding of the situation as a result and will be able to serve you more efficiently and effectively.
We believe that the risks faced by each business and each individual is unique. We believe in providing each business, each of our clients with a comprehensive insurance solution that addresses their own unique and individual risks. A solution that will fit into your budget and not break the bank.
011 760 2124 │ admin@ngenious.co.za │ www.ngenious.online
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