Insurance Claims Procedures
Always ensure that you have insurance, cheap car insurance is possible through SmartQuote. It is true that many people are fortunate to never have experienced a vehicle accident, but that does not make them immune to it. The majority of the population are uncertain as to what the correct insurance claims procedure is.
In the event that you are involved in a road accident you should first and foremost follow these guidelines:
- Always exchange all relevant information with the other driver i.e. name, contact number, car insurance details, and vehicles registration number. Always try to write down or memorize the vehicle registration number should the other vehicle driver flee the scene or refuse to exchange information, he/she may be tracked down using the registration number.
- Never admit that the incident was your fault
- In the event that you do not wish to make a claim you should still inform your insurance of the accident
- Take photographs of both vehicles, not only do they come in handy when you need to make a claim, but they may also serve as evidence of the damage done to the other car preventing a claim for false damages
- Always have a duplicate of your insurance certificate on hand, in the event that a person is injured in the accident, you must show this to the officer at the scene
For Third Party Claims
Put in a claim against the other driver, the insurer will decide who is at fault, and the claim will be processed accordingly. Please note, if you are found to be at fault your third party insurance will only cover the other driver’s vehicle damage and personal injury, any damage or injury sustained by you will not be covered.
How To Claim If The Other Driver Is Uninsured
If the driver of the other vehicle has no insurance, you may claim from your own car insurance, or alternatively you may take the case to the MIB (Motor Insurers Bureau), they may be able to assist in settling a claim in the event that the other driver is uninsured.
How To Claim If You Have Comprehensive Insurance
With comprehensive insurance you may claim from your own insurance for damage and injuries sustained.
Keep in mind that any and all insurance claims should be approved by your insurance broker before any repairs are made. SA car insurance brokers are very particular about the contractors that are used, and failing to comply with this rule may end in your claim being rejected.