Part 7 - Claims Procedure Guide - Motor Vehicle Insurance

Information about Part 7 - Claims Procedure Guide - Motor Vehicle Insurance

Published on July 17, 2014

Author: optimuminsurance



INSURANCE CLAIMS PROCEDURE GUIDE MOTOR VEHICLE INSURANCE: INSURANCE CLAIMS PROCEDURE GUIDE MOTOR VEHICLE INSURANCE Motor Vehicle Insurance Claims : What to Do at the Scene   At the scene of the accident , the following information must be recorded in writing:   Name, address, licence number of other driver (and owner, if not same as driver) Make, model, registration number of other vehicle Date, time, place of accident Details of cause of accident Names and addresses of any witnesses   If there is damage to company vehicle , where repairs will exceed deductible (excess), a quote for repair will be needed if the car is drivable.   Letter of Demand   If a third party claim (Letter of Demand) is received:|   All correspondences are to be forwarded to your insurance broker or insurer. A claim form with your version of the accident must be lodged promptly otherwise you are liable for costs incurred in the event of any delays. Motor Vehicle Insurance Claims Motor Vehicle Insurance Claims : Claim Form and Quotes   A motor vehicle claim form or verbal advice should be provided as soon as practical to your insurer broker or insurer. A quotation for repair is generally required. Some insurers have repair centres so if you are unsure where to take your vehicle to obtain a quote, they can assist you with either providing details of one of their preferred repairers or if they have an assessment centre, you can take your vehicle their and they will look after the repair process.   If you do not intended to initially claim under your policy, the claim form should be forwarded with the note “REPORT ONLY”. Submitting the forms will protect you if you decide to pursue a claim under your policy at a later stage.   Vehicle drivable: A quotation for repairs should be forwarded promptly to your insurer or insurance broker along with the claim form or verbal advice of the claim details.   Vehicle un-drivable: Phone your insurance broker or insurer so that arrangements can be made for an assessment of the vehicle. Your vehicle should be towed your vehicle to the nearest repairer (please refer to your PDS for details of towing costs covered) or recommended repairer as advised by your insurer.   Claims by other motorists: If another motorist approaches you demanding payment for repairs, they must submit their demand in writing supported by a repair quotation. This must then be submitted to your insurance broker or insurer with no admission of liability made. Motor Vehicle Insurance Claims Motor Vehicle Insurance Claims Checklist: Checklist of information and items that you will need when making a Motor Vehicle Insurance claim. Motor Vehicle Insurance Claims Checklist Description Check Policy number Insured name (as per policy) Risk address/Registration number/Make and model of vehicle GST details (ABN & ITC) Date and time of loss Loss address/accident description and extent of damage Owner details (fleet) Driver details: Name Address Licence details and DOB Drugs/alcohol within 12 hours Third party owner details (if applicable): - Name - Address - Registration number - Insurer - Contact number Third party driver details (if applicable): - Name - Address - Contact number Police details (if applicable) Witness details (if applicable ) - Name - Address - Contact number Vehicle towed/drivable Location of vehicle Motor Vehicle Insurance Claim Sample Third Party Letter of Demand: Motor Vehicle Insurance Claim Sample Third Party Letter of Demand Dear (Recipient ’ s Name), “ WITHOUT PREJUDICE ” Re : Our Vehicle: Your Vehicle: Date Of Accident: _______________ We enclose herewith quotations for repairs to our vehicle which was damaged on the above date as a result of a collision with your vehicle in circumstances which indicate negligence on your part. We now seek recovery from you of repair costs amounting to $ ______________ and would appreciate your cheque for this amount within fourteen (14) days, failing which we will place the matter in the hands of our legal advisors for the appropriate action. If you are insured against accidents of this nature we suggest that you forward this letter and attachments to your Insurer and request them to contact us within the period specified above. Kind regards Your_Name Company About Optimum Insurance Services: Optimum Insurance Services are Insurance Advisers based in Australia currently servicing clients in Asia Pacific Markets. As a corporate authorised representative of Insurance Advisernet, we provide a wide range of general insurance products and services. Our experience, knowledge and access to insurance markets and other resources enable us to provide a diverse range of insurance and risk management services to businesses, associations and individuals. About Optimum Insurance Services Phone  +61 1300 739 861 Fax +61 1300 732 225 Hours   9.00am to 5.00pm (EST) Monday – Friday Email [email protected] Website Contact Us!/Optimum_Online Connect with us on Social Media Disclaimer: Disclaimer Presentation Disclaimer –– “ This material contains general information only and may not suit your particular circumstances. To decide if a policy is right for you please carefully read the relevant Product Disclosure Statement (PDS) and/or Policy wording. A copy of the PDS or policy wording is available by contacting our office on 1300 739 861;”   Disclosure Statement – “ Optimum Insurance Services Pty Ltd is a Corporate Authorised Representative of Insurance Advisernet Australia Pty Ltd (Car No. 291220), Australian Financial Services Licence No 240549, ABN 15 003 886 687.”

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