Always keep a “Joint report” in your vehicle. The joint report is a straightforward tool that can be completed quickly in the event of an accident without injuries. You can even download The Joint Report application in our Resources section.
When involved in an accident, try to gather as much information as possible. For example: The name of the person who was driving, location and time of the accident, a basic description of the accident, the name and insurance information of the other driver and if possible, names and contact information of others involved in the accident or witnesses.
In the event of a non collision claim (hit and run, theft, fire or vandalism), a police report will be required by the insurance company.
Consider first whether you should file a claim. Small claims can sometimes cost you more over time. With deductibles and a potential increase in premiums, making a claim can end up costing you more. Speak to one of our brokers and let him advise you, give you the pros and cons so you can make the right decision.
Take clear well-lit photos of the damage should be your first step after speaking to your insurer. Make sure your contractor begins documenting the damage as-is before beginning any work.
Leave a paper trail is the key to making claims as painless as possible. Maximise the use of email while communicating with involved parties and save all receipts for expenses. Avoid paying in cash, especially for your contract work.
Document your damage. Accurate information gathering always helps. Be sure to carefully evaluate your place of business. Take photos and videos. Your priority is understanding what went wrong.
Contact us as soon as you can so we can advise and explain you in the claim process to you and answer your questions about the incident. Make sure to have all the relevant information including the time, date and location of the incident, and a short description of what took place. We will guide you along the claim process to ensure your contract and your rights are fully respected.
Keep a complete inventory of your tools and equipment, including all invoices to help speed up the process of settlements.
Remember, your broker works for you and can be your biggest source of information and advice. Do not hesitate to contact us.