Getting insurance is one of the easiest ways of protecting yourself from financial ruin in the event of unforeseen circumstances.

There are various type of insurance, such as:

  • Car insurance
  • Medical insurance
  • Home insurance
  • Commercial auto insurance

Each insurance policy is unique, as people and businesses have different needs. It’s also important to keep in mind that there are various claim types, such as those for medical expenses, property damage, bodily injury claims, claims to vehicle repairs and stolen property.

While it’s the insurer’s responsibility to ensure that there are enough funds to cover you in the event of an accident, theft or damage caused by fire, you (as the insured) need to make sure that you provide as much information as possible when you claim insurance.

How to claim insurance tips:

It’s always advisable to claim insurance as soon as possible following a car collision or the incident.

In terms of car insurance, if your car has been vandalised, stolen or damaged from a non-accident-related event, such as fire or severe weather, make sure that you report the incident immediately.

Take photos if you can. This is one of the easiest ways to prove to the insurer that you are being completely transparent and this may help to speed up the process.

Make sure that you note any personal harm you experience.

Make sure that you file a police report and request a copy. Send this to your insurer as soon as possible.

Hire an attorney if necessary. Bring in help from an attorney who specialises in accident claims.

Basic steps for how to claim insurance:

  • Contact your insurer immediately after the incident. Send any photographs of the incident.
  • File a police report and send relevant information to your insurer.
  • The insurer will assign a case.
  • Meeting with your claims professional.
  • Resolution of the case.
  • Closing of the case.