Accidents happen, and when they do, it’s crucial to have a reliable car insurance provider that can help you through the claims process. General Accident Jamaica is your trusted general insurance partner that offers coverage for various types of vehicles. In this guide, we will walk you through the step-by-step process of filing a car insurance claim with us, ensuring you have all the information you need to navigate the process smoothly.

Step 1: Assess the Situation

After a car accident, it’s important to prioritize safety and assess the situation. Ensure that everyone involved is safe and, if necessary, seek medical attention for anyone who is injured. If the accident involves another vehicle, exchange contact and insurance information with the other driver. Also, gather relevant details about the incident, such as the date, time, location, and witness statements and contact information. Try to take photographs of the vehicles involved before they are moved.

Step 2: Make a police report

Report the incident, within 24 hours, to the police station nearest to your home or to the site of the collision. Be sure to take your driver’s licence and all the vehicle documents with you when making the report. 

Step 3: Contact GenAc

As soon as possible, contact GenAc Jamaica to report the incident and initiate the claims process. You must do this even if you believe you were not at fault and do not intend to make a claim. You can report the claim by phone at 876-929-8451, 876-929-8454 or e-mail to claimsdepartment@genac.com or visit our office at 58 Half-Way-Tree Road, Kingston 10. It is important to do this within 30 days.

Once reported you can complete the claims form found on our genac.com website or at our office. Be prepared to provide the following information:

– Your policy number and personal details

– Registration number

– Date, time, and location of the accident

– Description of the incident and damages incurred

– Police report number (if applicable)

– Contact information of other parties involved

– An account of what happened

Step 4: Documentation and Evidence

To support your claim, gather all necessary documents and evidence related to the accident. This may include:

– Police report (if applicable)

– Medical reports and bills (if any injuries were sustained)

– Photographs of the accident scene and damages

– Repair estimates from authorized service centres

Step 5: Assessment by a Claims Assessor

After you file your claim, an independent claims assessor will be assigned to your case. The assessor will arrange for an inspection of your vehicle, review your documentation, assess the damages, and determine whether your vehicle should be repaired or if it should be treated as a Total Loss.

Step 6: Claim Settlement

Once the claims assessor completes their assessment and the necessary inspections, they will provide an assessor’s report to GenAc. Within three days of receiving this report, we will communicate to you how we intend to settle your claim. There are many factors which can affect settlement. such as your policy coverage, deductible, and the terms and conditions outlined in your insurance policy.

Step 7: Appointment of an Investigator

In certain circumstances, GenAc will appoint an investigator to review your claim, often in cases of a single vehicle accident – that is, when no other vehicle is involved – or in cases of theft. It is important to cooperate fully with the investigator to avoid unnecessary delay.

Step 8: Follow-up and Communication

Throughout the claims process, maintain open lines of communication with the GenAc representative handling your claim. Ask, if you have questions. Promptly respond to any requests for additional information and keep track of important dates and deadlines.

Filing a car insurance claim can be a daunting task, but GenAc hopes to make the process easier with this guide.