WHAT TO DO IF YOU HAVE BEEN IN A CAR ACCIDENT (PART 3)
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https://twitter.com/LawyeredSouth/status/1582720875748392960
1/ Report the accident to your insurance company:
Inform your car insurance company that you’ve been involved in an accident as soon as possible.
Be honest about what happened, as if the insurance company discovers you misled them concerning something, your claim may be
Inform your car insurance company that you’ve been involved in an accident as soon as possible.
Be honest about what happened, as if the insurance company discovers you misled them concerning something, your claim may be
2/ rejected, at the very least. Lying intentionally to your insurers also constitutes fraud, which as you should know, is a criminal offence.
Should you wish not to submit a claim with your insurers, you should still inform them of the accident within a reasonable time frame.
Should you wish not to submit a claim with your insurers, you should still inform them of the accident within a reasonable time frame.
3/ Insurance procedure:
When you phone your insurance company, you will be asked for your policy number as well as full details of the incident, such as:
The date and time of the accident; and
Names, addresses, phone numbers, driver’s licence and licence plate
When you phone your insurance company, you will be asked for your policy number as well as full details of the incident, such as:
The date and time of the accident; and
Names, addresses, phone numbers, driver’s licence and licence plate
4/ numbers of all people involved.
Whilst on the call, enquire about the procedure for filing a claim. You will most likely receive a claims form in this regard.
Whilst on the call, enquire about the procedure for filing a claim. You will most likely receive a claims form in this regard.
5/ This form must be filled in to record all evidence that supports your claim, for example, photographs of the vehicles involved, details of how the incident happened, contact details of the people involved and the case number given to you by the police, if your vehicle was
6/ damaged due to criminal activity.
If your vehicle needs to be repaired, your insurance company should provide you with a list of approved repair companies, such as panel beaters, you may use.
If your vehicle needs to be repaired, your insurance company should provide you with a list of approved repair companies, such as panel beaters, you may use.
7/ Make sure to get a quote from the chosen repair company first before proceeding. Your insurers must be informed of the amount quoted before the company is given the go-ahead. Failure to adhere to the aforementioned may result in your insurers refusing to pay for the repairs.
8/ If your vehicle has been badly damaged, an assessor will be sent to interview you and assess the damage. If the assessor decides the vehicle is too badly damaged, it will be “written off”, and your insurance company will pay out an amount equal to your vehicle’s value
9/ before it was damaged in the accident.
If the collision was caused by another (insured) driver, your insurers will send the details of your claim to said person’s insurers.
If the collision was caused by another (insured) driver, your insurers will send the details of your claim to said person’s insurers.
10/ Upon receipt thereof, the other driver’s insurers may offer to repair the damaged parts of your vehicle. If no such offer is forthcoming, you and/or your insurers will have to cover the cost of replacing damaged parts (this depends on the nature of your policy).
11/ Any uninsured losses will be for your account.
#llbtwitter #lawtwitter #lawyered #insurance #insuranceclaims #outsurance
#llbtwitter #lawtwitter #lawyered #insurance #insuranceclaims #outsurance
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