Claims handling is an integral and core function of AP &L Consult Limited operations.
– We provide efficient handling and processing of claims to our Clients to ensure
prompt and fair settlement.
– We assist our Clients with the preparation of claims supporting documents
including completion of claims forms.
– As Lawyers, we offer policy interpretations to ensure fair settlement of claims
– We liaise with various relevant professionals such as Accountants, Mechanics,
Engineers and Quantity Surveyors in adjusting the claim.
– We participate in the appointment of Loss Adjusters for the claim.
– We negotiate for the most favorable settlement, ensuring that the claims are
settled promptly.
MOTOR CLAIMS
Who is entitled to make a claim?
- The insured (policy holder)
- The third party whose property has been damaged by our insured’s vehicle
- The injured victim
- Administrators of a deceased estate
- Parents/guardians in the case of minor
Motor Claims Procedures are as follows:
- Report all accidents to the Police.
- Report the accident to your Insurers or Brokers and fill the relevant claim form.
- Do not settle, negotiate to settle, admit or repudiate any claim without the Insurers consent.
- Forward all relevant documentary evidence in respect of the loss to your Insurers or Brokers.
- Forward all claims, writs of summons or letters from third parties to your Insurers or Brokers unanswered.
Relevant documentation required when liability has been fully established:
- Own damage
- Report the loss to the insurer and fill the accident report form.
- Attach a copy of the driver’s license.
- Furnish the insurer with an estimate of the cost of repairs from either the insurer’s recommended garage or a repairer of your choice.
- Provide pictures of the damaged vehicle, clearly showing the registration number of the accident vehicle.
- Allow damaged vehicle to be inspected by the insurer’s surveyor before the commencement of repairs.
- Police report may be required, depending on the circumstances leading to the accident.
- Property damage claim
- Letter of claim
- Police Report
- Furnish the insurer with an estimate of the cost of repairs from either the insurer’s recommended garage or a repairer of your choice.
- Provide pictures of the damaged vehicle.
- Provide driving license of the insured’s driver.
- Injury cases
- Letter of claim
- Police Report
- Medical report
- Original receipts of Medical Bill incurred (To justify the cost being claimed for)
- Sworn Affidavit
- Two (2) passport-size pictures of the injured victim endorsed by the doctor who treated the victim.
- Deceased (death) cases
- Letter of claim
- Police Report
- Death Certificate/Burial permit/Post-mortem report
- Letters of Administration
- Personal Particulars of the deceased
- Sworn Affidavit
- Endorsed passport size pictures of Administrators (two each).
Period within which to make a claim:
- Injury/death – up to three years from the date of the accident.
- Damage – up to six years from the date of the accident.
Some circumstances under which your motor claims will be repudiated
- If your vehicle was driven without your consent, order or permission.
- When an unlicensed driver was driving
- When the claim is statute barred, that is, claims not submitted within the three (3) or six (6) year period.
- Where there was a change of ownership on the vehicle without reference to your Insurers.
- Using the vehicle whilst the driver was drunk.
- Using the vehicle for unauthorized purposes.
NON-MOTOR CLAIMS PROCEDURES;
Non-motor insurance comprises of several lines example public liability, professional indemnity, personal accident etc. Each non-motor insurance
claim has its own specific claims procedure and conditions which are explained in detail by our competent and well trained claims staff whenever a claim is made.
Generally, when an accident occurs, the insured (policyholder) should comply with the following,
- Report the incident to the Police or Fire Service (in case of fire).
- IMMEDIATELY contact the insurers and complete the relevant claim form.
- Take all reasonable steps to protect the damaged site/property for inspection by the Insurers
- Do not settle, negotiate to settle, admit or repudiate any claim without your Insurers consent.
- Forward all relevant documentary evidence in respect of the loss to your Insurers.
- Forward all claims, writs of summons or letters from third parties to your Insurers or Brokers unanswered.
CLAIMS INFORMATION
In the event of having to report a claim to us please notify us during normal business hours or email us as soon as possible.
To enable any claim to be dealt with promptly please provide the following:
- Insurance policy or Certificate of Insurance
- Statement of claim – explanation of loss, extent of damage etc
- Commercial Invoice
- Packing List
- Bill of Lading (goods by sea) / Airway Bill (goods by air) / Consignment Note (goods by road)
- Delivery Receipts
- Notice to Carriers – Depending on how the cargo was transported a general guideline is as follows
Shipping Line: Within 3 days from the time of delivery.
Airline: Within 14 days from the time of delivery
Road: Within 7 days from the time of delivery.
Please note that this is not a full list. Additional documentation could be requested depending on the specific circumstance of the claim
