Car Insurance Claim

You primarily take car insurance to protect you from damage to your car or to a third party. In case of an accident, a claim is filed for damage to the vehicle, medical reimbursement or any other damage that is specified in the policy. Insurance companies provide different types of coverage for different policies. Hence, before going ahead with any policy you should thoroughly go through its fine prints and understand claims that you are entitled to.

If you meet with an accident unfortunately, there is certain procedure that you have to follow to get a speedy claim. The first thing you should do after the accident is to immediately inform your insurance company for making claim. It is better if you do it in writing as it can be used as a reference for your formal written complaint later on. Take a snapshot of the damaged car, which may be required during the claim process. Further, ask your agent or the company as to what are the documents you need for the procedure and be prepared with them. Find out the time span within which you can submit your claim form and when you can get it. Confirm which policy you have taken; if it provides for a comprehensive or collision coverage, the company will pay for the claim regardless of the fact that whose fault had led to the accident. In case of third party insurance, the liability of the company will only be limited to any claim against you where you are at fault. In case of any dispute in getting the claim from the insurance company, you can go to Insurance Ombudsman Service Limited in Australia, a body that resolves these disputes.