On payment of an additional premium, there are additional covers for a motor vehicle that can be obtained along with the above main comprehensive insurance cover. What are the steps to be taken when making an accident claim? As explained, you must follow certain procedures to protect yourself if an accident occurs.
In the event you are making a claim, you should get all the necessary details including the name and address of the other driver involved their vehicle registration number and their insurance company or policy or certificate number among other details. Once you have reported an accident, your insurance company, depending on the policy conditions, will send a loss adjuster to the site of the accident or to the nearest Police Station or work shop if it has been towed or to a place arranged after discussion with the insurance company in order to assess the damage to your vehicle and identify the circumstances of the accident. A loss adjuster is a specialist whose job is to find out what really happened and how it happened. He will recommend to the insurance company the quantum of the claim. In certain circumstances, the insurance company may appoint an investigator to check on the circumstances surrounding the claim.
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