Procedure on how to manage a claim - Auto Insurance

Have a claim to start due to collision, theft, or vandalism ? Here's a how-to guide that will ensure your claim goes smoothly from start to finish.

1. Security and completion of a Joint Report: First thing is to ensure that all individuals are safe. When filling in a joint report with the other driver, it is not necessary to contact the police. Be sure to take plenty of photos. Contact emergency services if necessary.

 

2. Report Your Claim: Inform your insurance broker or insurer of the event via their website, by phone, or by email as soon as possible.

 

3. Assembling your file: Provide the circumstances, photos, and any written testimonies. In the event of theft, or hit-and-run, a police report will be necessary.

 

4. Assignment of your claims adjuster: Your file will be assigned to a claims adjuster, who will appoint an automobile estimator to assess the damage and determine if the vehicle is repairable. The adjuster may also refer you to a trusted partner for damage assessment.

 

5. Handling repairs: The insurer covers repairs according to your contract. In some cases, the insurer may refer you to one of their trusted partners, but you can always choose to have the work done by providers of your choice. In this case, keep your receipts and ensure the provider’s expertise.

 

6. Offer of settlement: Once the claims adjuster has all the information related to your claim, he/she can proceed with calculating the settlement offer. The adjuster will consider your deductible, your coverage and limitations, as well as exclusions stipulated in your contract. Be sure to review your contract before accepting the offer proposed by your insurer. You can also consult your insurance broker if you are not satisfied with the handling or settlement of your claim.

 

7. Closing your file: Once the repairs are completed, your body shop may ask you to sign a document confirming that you are satisfied with the repairs. If the work does not meet your expectations, do not sign this document. Archive all documentation related to your claim for any future recourse.

Following each of these steps carefully will ensure a successful claim and quick compensation !

Share
assurances-auto
assurances-habitation
motos-assurances
assurances-agricole
assurances-entreprises

Need a quote?

Fill out the form below and our team will be happy to provide you with a quote as soon as possible.

Indicate the subject

Need to modify your file?

Write your request below and our team will be happy to assist you as soon as possible.