Title : How to Apply A Third Party Car Insurance Claim
Content of Article : How to Apply A Third Party Car Insurance Claim
How to Apply A Third Party Car Insurance Claim
Do you know that your car insurance certificate Third Nigeria N1,000,000 property damage coverage has on it? They also know that life coverage is unlimited on it? If you do not know, now you know. Third, your car insurance certificate is more than "police-let me pass," as it is commonly called in Nigeria, it is a valuable piece of paper!
The question whether the demand wage insurance companies now more is one thing, because the insurance industry has been redesigned. Please feel free to read why insurance companies do not pay claims. Now, how to make a claim against a third party?
How to get to sue the third car insurance
Only a third of car insurance covers your legal liability caused (as owner or insured) with third parties in relation to their properties (minimum N1m) damage and injury or death (unlimited) for them with your automobile. It also covers your legal costs of defending a claim in court.
To make a claim against third parties, follow the steps below carefully.
1. MESSAGE
After an accident, loss or damage and it was decided that the guilt of the officer or the people there, contact your insurer. Note that you are not really any liability on behalf of the insurer permit; it is the duty of the third party liability or determined to prove in court. Call your insurance over the phone and for documentation write a letter of notification or an email to your insurer. The letter should include a brief description of the incident provide the date and time of loss shows. Since this is communicated to a third party claim and any impending prosecution, investigation or death investigation regarding the event, the following letter to the insurer or with your letter. In addition, all complaint letters are third and short assignment process should be sent immediately to the insurer.
2. RECOGNITION
obtained Once registered, the insurer wrote with sympathy and assures you the call or edit reject the application if you are not covered. If the application has the letter from the insurer is not rejected, will be accompanied by an application form for you to fill. The application form asks detailed questions regarding the request. The form provides a clear description of the request. Be sure to complete it accurately, without distorting anything. The information you must provide in the application form are the same as his report in the police. The insurer will ask for some documents to support claims include:
For the claim for damages property:
- Repair estimate
- Photographs of accidental vehicles
- Third letter of complaint
- The declaration of the driver of loss
- Police report
- Driver's license controls the vehicle before the accident
For death or personal injury claim:
- Short quote or court order
- Police report
- Third letter of complaint
- Photographs of the accident
- Hospital bill
- Death certificate
- The report of Corona
- The declaration of the driver of loss
- Driver's license controls the vehicle before the accident
Once the documents secure, (to avoid unnecessary delays, be sent the original should) the insurer the completed application form.
3. SURVEY
After the transmission of documents, the insurer uses to investigate the claim. If a court appearance, they make a presentation to you or ask us to move with your own lawyer and pay legal costs. If the complaint of the third leads to the damage of the vehicle, the insurer will send their technicians to resolve the claim. The engineer will verify the repair estimate and meet to negotiate the garage of a third party or an engineer for a better figure.
Thereafter, the writing of the engineer's report and before the insurer. The insurer will use the report to issue a redemption offer or Letter of Offer with good relief seal and send it to you. If you with the amount to add your signature and send it to the insurance company with a stamp agree. But if you do not agree, but the offer with a letter back, explaining your reasons.
4. CHEQUE RULES
The insurer is executed after receiving your discharge given its controls with the figure in the proper discharge and send it to you. With the check, you can then the third set. For legal fees, you will be issued. Please note that it for a private car, it damages liability N1m. This means that, if the damage is more than N1million, you can get only N1million, and you will do the rest. Also, if your car at fault in accidents several cases (eg 2 units) was, the insurer will pay N1m regardless of the total value of the request. They are formed on the scale.
If you pay your premium, there is not much to get paid your claim, if you are able to follow the process with patience and cooperation. However, you might use a broker when your coverage to buy, so it can help with complaints.
Such an explanation of the article How to Apply A Third Party Car Insurance Claim
That is all the article and tips How to Apply A Third Party Car Insurance Claim, hopefully can be useful for all of you. Okay, this is the end of our meeting this time.
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