Many people desire to own a vehicle at
some point in life. Driving is a risky exercise because you are prone to road
accidents or stresses that come from vehicle damages or theft. Of course, the
risk is worth taking when you have your car insurance in place. Therefore `it’s
a must to get at least a third part insurance for all vehicle owners. The
comprehensive cover is by far the most flexible one because of its many
benefits. You can check out more here https://www.championsinsurance.co.zw/motor-insurance/
Difference between the third-party and
In the event of a road accident, third-party
covers the vehicle you crash on, that is if you are the one caught on the wrong
end. Comprehensive cover takes care of your vehicle as well as the other part.
Now that we know all this and
wondering how to claim your insurance, here are two scenarios in which you are
required to make a claim.
Scenario 1: You crash into someone’s
that bad day when you crash into someone’s vehicle, they will make a claim
against your motor insurance. This is what we term the third-party claim.
They are the third party to you and our insurance company. Champions Insurance as
your insurer will process the claim, but the other part needs to be patient
because we might want to investigate the accident to determine that you are
truly at fault.
Scenario 2: Someone crashes into you
someone else causes the accident, you can take them through scenario 1, if you
are under third-party insurance. If you have a Comprehensive Cover, you can
turn to it. This is an easier route since you can avoid the hassles that come
with dealing with an underinsured driver.
steps that you can take in lodging your claim:
involved in a car accident, the first thing is to calm down and make sure you
and your passengers have not been injured. Minimize road rage so
that you have sufficient information from both parties. Make sure you are safe
wherever you will be as you wait for the police.
2. Exchange information
it easy for the other part to get the information they need to file a claim, hoping
they do the same to you too.
3. Take photos
this point and time, your cell phone is an important asset as you need to take
pictures of the:
· Damages caused to your car and
the other vehicles involved
· Number plates
· Road conditions like potholes,
· Any other contributing factors
such as nearby intersections and road signs
· Other drivers’ insurance ID
phone should date stamp and record the time the photos were taken. You should
also note the names and phone numbers of any witnesses.
4. Get a police report
sure to verify the responding police officer’s details and obtain a copy of the
police report as soon as it is filed, and check for accuracy.
5. Contact us
Send a word to us immediately upon the occurrence of
an accident and in the event of any claim. Letters, claims, or processes need
to be sent to us as soon as you receive them. Submit the following documents
for your claim to be processed:
· Completed claim form
· Police report
· Driver’s license
· Proof of insurance
· 3 quotations of vehicle repairs
· Proof of medical expenses and quotations for
treatment in the event of injuries
· Death certificates
All claims will be paid
timeously if all the above-listed documents are submitted on time subject to