When one is in need of buying a car, they must have had a plan on how to go about it including budgeting for it. The budget in some cases has insurance as part of it since no one should take the chances of taking the risk of not seeking coverage for their car. It is so common to find people applying for motor trade insurance policies and pay for the premiums promptly but they have no idea on how to claim for the insurance cover in case their car is engaged in an accident. Claiming can work when one follows a few procedures that include:
- At the event of every accident, one should first establish whether there are any injuries and in case they had passengers in the car, their safety is of importance too. Life-threatening injuries can involve an emergency call but in case of none, the following step should be to inform your motor tarde insurance company of the misfortune by submitting a report. The report should have details concerning the accident, the vehicles number plates in case the cause of the accident was because of a collision of two cars and the type of each car, drivers licenses, information of the drivers and the police reports. With such reports, it will provide a basis of the claiming process. For transparency in the claiming process, one ought to consider reporting the incidence in 24 hours time after the incidence.
- The second part after reporting should be the investigation process. The motor trade insurance company must gather all reports including the one made by the police to measure the damage caused, take photos of both cars to give a recurring view and check the statements made by both drivers on what they have to say about the accident. All this information should make the insurer be in the position of establishing on which driver must have caused the accident or who violated the traffic rules. With the evidence in statements, the reviews of the impact of the accident based on the damage of the car and the police reports, the procedure can take a few days to complete but some drivers tend to complicate the case making it last for quite a long time.
- Payment is usually the last stage after the adjuster of the process determines the faulty driver. Competent auto shops are given the chance of making estimates on what should be the payments. Checks are included in the process that must only contain the name of the car owner and the repair shop that the car will be headed for making. The process of car claiming ends at that point and not a single issue ought to come up from there, only if there were no serious injuries in the accident.
More details could be found on Motortradeking.
Some of the cases end up as disputes especially when drivers miss to admit being on the wrong side of the road. Cases like this may result to the motor trade insurance company paying the offer it intends to pay immediately and waits for a ruling of the case to pay the rest when the ruling comes in favor of their client. Such disputes are among the causes to a delayed claiming process.