TIPS FOR FILING A CAR INSURANCE CLAIM

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If you drive, chances are that you will eventually be in an accident, whether you are at fault or it’s the third party’s fault. Or even having an incident that damages your car, you still need to follow certain steps to file a claim with your car insurance company in order to get reimbursement.

First things first, when do you have to file a claim?
You need to contact your car insurance company as soon as possible following a car collision. Not only that, you will also need to file a claim if your car is stolen, damaged from a non-accident related event such as harsh weather conditions or fire as well as when your vehicle is vandalized.

Fortunately, with Alpha Direct, there is no six-week waiting period for a stolen vehicle claim to be processed. Valid claims are paid out as soon as the necessary administrative process has been completed. Because of our highly trained staff, you are sure to have a speedy claims process.

Information you will need to provide
You will need to provide your insurer with your full names and policy number, date and time of the incident, names, driver’s license and license plate numbers for involved drivers, addresses and contact details of all drivers involved, passengers and witnesses. Also, note any bodily harm incurred, if there is any.

Once you contact the car insurance company, your case will go through the following steps;
• Case assignment to a professional at your car insurance company who will work on your claim.
• Meeting with your claims professional to discuss your coverage and the situation.
• Evaluation by your claims professional, which can include inspecting your car, examining evidence of any injury claims, and an initial payment.
• Resolution of the case, including payments as appropriate.

Insured with Alpha Direct? Had an accident? What then is the procedure?
It is vital that you phone the emergency assist line (0800 600 143 or 393 0552) ASAP before the car is towed and when you are medically able to do so. The emergency assistant will arrange and authorize the towing of the car if necessary. Simultaneously, call the police at the nearest Police station and report the accident, even if there is no damage.

After you are safe and the vehicle has been towed be sure to call our claims line (M-F 8AM-8PM) at 0800 601 029 to report the claim and get the process started. It is extremely important to never admit guilt or offer a settlement to any other party involved in an incident in which you are involved.
You will then be required to fill out a claim form where your car will also be assessed for damages incurred so as to determine the cost of repairs. Lastly repairs will be authorized.

We hope you never have to claim, but hey, if you have to, that’s the procedure. Remember to always drive safely.

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