CLAIMS INSURANCE GUIDE A] MOTOR CLAIMS Introduction An automobile accident can be an emotional and difficult experience. A bad experience with your insurance company can make the situation even worse. At Professional Insurance, we constantly review the claims experience from the customer's perspective, with the aim to make the process convenient and easy. This website is designed to provide you with information about our claims process. We believe that the material provided here will be of assistance if you already have a claim or in the event of an accident in the future. What is a motor insurance claim? Motor insurance claim involves:- damage to insured’s vehicle damage to the third party vehicle or property Injury / death of the third party, this where a third party claims compensation for injuries /death caused by you due to your negligence. The insured will refer all claims for Third Party claims against them to Professional insurance .Insured shall not enter into any negotiation or agree to settle the claim outside insurance without the corporations consent A motor insurance claim can only accommodate the above listed claims if the insured holds a valid motor comprehensive insurance policy at the time of the accident. What must an insured do when they meet with an accident? Immediately an insured is involved in an accident, he/she should report the matter to the police and within reasonable time notify Professional Insurance of the same either by phone, email, in writing or through whatever mode convenient to the insured. Documents to submit in case of an automobile accident The insured will then be expected to fill the Accident report form (Download), obtain the original police report, obtain a certified copy of valid driver’s license and submit to the Claims Department. What will Professional Insurance do upon receiving a claim notification? Claims staff at Professional insurance will ask for inspection of the vehicle either at Professional Insurance offices or at the location where the vehicle is stationed, in it‘s immobile state. Sometimes Professional insurance instruct its’ authorized recovery agents to tow the vehicle to a safe place .This will facilitate easy assessment for the repairers enlisted) with Professional Insurance What must an insured do when a car is stolen? Report the theft to the Police Notify Professional Insurance Claims Service Centre within 24 hours Collect a Police report and submit to Professional Insurance Claim Service Centre together with a completed Theft claim form(download) What type of claims are involved in automobile claims Damage to the insured’s vehicle or automobile Third party property damage (either a vehicle or automobile and any other property) Third party injury / death Fire to either insured third party vehicle or automobile and any other property Theft What is required for a third party claim? Fill the Third Party claim form (Download) Submit the copy of the White book, Driving Licence and a copy of Motor Insurance certificate to Professional Insurance Claims Centre or any Branch ,Agent or Broker Obtain three quotations from Professional Insurance’s registered repairers (download) In case of an injury a Medical certificate (download) form filled by a medical practitioner will be required for submission to Professional Insurance Claim Centre “Useful tips immediately after being involved in an automobile accident” 1. Call 999 for emergency services (police, ambulance, etc.) if anyone is hurt and to report an accident, even if no one is injured. 2. Move your vehicle out of traffic if possible. Pull off the road and turn on your emergency flashers to alert oncoming cars. Turn off the ignition to guard against fire. 3. If your car is inoperable, or if you suspect a gas leak, take your possessions and get out of the car. Do not stand between two vehicles because you risk being crushed if an inattentive driver crashes into the rear of the car in the back. 4. Get the other driver's name, address, phone number, license number and the registration number of the car. Report this information to the police. Do not get into an altercation with the other party. 5. Get the name of the driver's insurance company and their policy number. 6. If possible, get witness' names, phone numbers and addresses. 7. Examine the damage done to your car, as well as the other vehicles involved. 8. Do not admit fault to anyone. No matter how upset or embarrassed you may be, it is important to realize that any statement of fault or promise of financial settlement for damages may be used against you later. 9. To avoid misunderstandings, do not discuss the details of your car accident with anyone other than your insurance representative, the police and your legal representative.