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Claim Procedure for Motor Vehicle

 

The most effective manner of lodging a claim under this Policy is:

1. Have the vehicle taken to the premises of your preferred repairer.
2. Instruct the repairer to prepare a quotation but do not authorise repairs.
   
3. Contact the Claims Department of the local office of your Motor Vehicle Insurer.
   
4. Advise them of the details of the accident and the amount of the quotation. They
   will either authorise repairs or arrange for an assessor to inspect the vehicle.
   
5. If the vehicle requires assessment leave the claim form with the vehicle. Otherwise forward it to the Insurer with the quotation and invoice.

It is recommended that all employees authorised to drive company vehicles be conversant with the following accident procedures:

In the event of an accident:

1. Stop and exchange name and addresses with the other party involved, and record registration number of other vehicle.
   
2. Record names and addresses of as many witnesses as possible at the scene of an accident. No discussion whatsoever should be entered into as the negligence of either party, and no admission of liability should be made.
   
3. Report the accident to the Police if required to do so by State Motor Traffic Law or By-Law.
   

 

Motor Insurance does not apply whilst a vehicle is:

1. Being driven by any person whose faculties are impaired by any drug or intoxicating liquor OR by any person who is convicted of driving at the time of the accident, under the influence of intoxicating liquor OR by any other person with a percentage of alcohol in his breath or blood in excess of the percentage permitted by law.
   
2. Provided that this exclusion shall not apply to indemnity and/or insurance provided on behalf of any other person or party if such person or party proves that he did not consent to the Motor Vehicle being driven by or being in the charge of the person was so affected.
   
3. Conveying any load in excess of that for which constructed. Being used whilst in an unsafe or unroadworthy condition unless such condition could not reasonably have been detected by the Insured. (This exclusion shall not apply if the Insured proves that the damage, liability or injury was not caused pr contributed to by such unsafe or unroadworthy condition).
   
4. Being used for the conveyance of passengers for fare, hire or reward.
   

 

NOTE: The actual wording in your policy may vary from the above.