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