In The Event Of An Accident
Switch off the engine. The law requires that you STOP if you are involved in an accident. Take all necessary precaution to prevent further accidents at the scene. If necessary, take steps to warn other traffic of an obstruction: Use the car’s hazard warning lights, ensure that they can be seen.
Send for help
Try to get the police to come to the scene of the accident, if not successful report the accident to them within 24 hours.
If anyone is injured ask someone to summon an ambulance and the police. Movement of injured persons should not be undertaken especially if likely to cause further injury. Try to get at least the name (s) of all injured persons and make notes of the nature of their injuries as far as you can describe them.
Get names, and address of all possible witness (s)
You should secure the other party( s) name, address, insurer, details of vehicle and share your similar information.
Do not admit fault.
If the vehicle does not belong to you, give the registration mark and the name and address of the owner.
Do Not Smoke There May Be Flammable Leakage.
After The Accident
- Remove the vehicle to a safe place in a mode that will not cause further damage or you to break the law
- Contact our Claims Dept. as soon as possible.
- Get an estimate of damage from a reputable garage, and send same to us for approval and further instruction before any repairs are started.
Fire & Theft Incidents
- Immediately report all theft and fire losses to the police
- Contact our Claims Department as soon as possible
- Locate and secure all motor vehicle documents and Certificate of Insurance
Report the accident
Your First Contact With Us
- You may be required to attend our office to complete a detailed form relating to the incident.
- You should bring along:-
- Motor vehicle Certificate of Fitness
- Motor vehicle Certificate of Registration
- Drivers Licence
- Motor vehicle Certificate of Title
- Estimate of repairs
- We will arrange for an inspection of your vehicle at a mutually convenient time.
- Our highly trained staff will guide you in the most efficient way of getting you back in the position you were prior to the incident
How Can I Speed Up The Settlement Of My Claim?
- Follow-up your repairer to ensure he is satisfying his undertakings.
- Call our office
- Give us any additional information you may have omitted in your initial report to us.
How will My Claim Be Settled?
Most motor policies are contracts of indemnity, which means that when your claim is settled you should be placed in about the same financial position as you were prior to the loss in as far as your policy cover allow.
Some examples of the application of indemnity:
Total loss settlements
If a vehicle is damaged and considered a total loss, settlement of the claim would be based on the pre-accident/market value of the vehicle immediately prior to the loss but not exceeding the limit of the policy (sum insured).
For partial damage to your vehicle, restoration will be made with parts and material of similar type and age.
For example, if your tyre, which was damaged, was 60% worn we would contribute 40% of the cost of a new tyre, or supply you with a tyre which is 60% worn both of similar model.