Van Insurance Claims

What to do when an accident happens? It ought to be a traumatic experience. Instead of getting panic calm down to do the next move of making claims? The incident should be informed to all the competent authorities and the vehicle should be moved only after their inspection and with their concurrence. Report the authorities if someone is hurt and you do not have to admit liability even if you are at fault as this will be taken care of by the Van Insurance Company under their Claims.

The main details to be provided to the Van Insurance Company Claims department will be
• The policy details: the number and the certificate,
• The personal details of the insurer and the details of the driver,
• The complete details of the incident with the details of the persons involved or injured and
• The details of the vehicles involved.

In such a painful moment it is better to take photographs in case there is a camera to keep a complementary proof for the incident.

The next is to fill the claim form which normally is done over the phone unless when it is necessary it will be send to you for signing. The Van Insurance Company will have an approved list of repairers to whom the repair work should be assigned. The assessor will come and inspect the vehicle and evaluate the extent of damage. He then prepares the estimate explaining the companies contribution and the share you may have to commit.

Depending upon the model of the vehicle the quantum will be judged. The guide lines will be in the policy itself. Normally old or new the windshield gets cent per cent compensation barring third party only insurance. There are percentages fixed for plastics, metal parts and other repairing labor cost as listed in the policy. So you may have to pay certain amount once the repair work is over, or pay the entire amount and get the claims payment to the extent the Company owes, by check.

At the time of settlement also the Van Insurance Claims department will ask for certain documents like insurance certificate, registration documents of the vehicle and things like the sets of keys etc. If the vehicle is brand new and the insurance is comprehensive the entire repair will be taken care of by the Van Insurance Company. Otherwise only, the contribution comes on the part of the owner of the vehicle.

In making the claims you should have a thorough knowledge about your rights. Even the towing charges will be paid if the coverage is adequate. All the third party liabilities will also be met. The assessor will be conservative and try to put down the commitment of the company as low as possible.

In case of the total loss of the vehicle the procedure will be cumbersome and the number has to be personalized, in case of theft vehicles to avoid misuse. The investigation also will proceed in parallel. Certain Companies have a separate class of covering uninsured items also for which provision should have been made during the time of insuring.

Thus making Claims in Van Insurance is certainly not very easy. All the procedures should be followed to satisfy them to consider the claims judiciously. Make the Van Insurance Claims more schematic even by getting consultancy service to gain better advantage.

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