how to claim under your motor policy
We’re sorry to learn of your recent motor vehicle incident and hope no one was hurt. We want to address
your claim as quickly and smoothly as possibble. This document will help you through the process.
- WE ADVISE YOU TO:
- Take pictures at the scene of the incident.
- Write down what happened as soon as possible – it is easy to forget details after some time has passed.
- Report the incident, within 24 hours, to the police station nearest to your home or to the site of the collision.
- Take your driver’s licence and all the vehicle documents with you when making the report.
- You are required to report the incident to us within 30 days, tell us by phone to 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. This is very important.
- WITHIN SEVEN DAYS:
- Fill out a General Accident claim form.
- We can help you do this at the office. Bring your driver’s licence, vehicle and insurance documents with you.
- Complete the claim form and email to us at claimsdepartment@genac.com, along with your vehicle documents and driver’s licence.
- Get an estimate from your repairer for the damage to your vehicle and send or bring it to us. Be sure to use the repairer you intend to repair the vehicle.
- Provide us with the wrecker invoice, if one was used.
- Make sure you tell us where your vehicle can be inspected.
- If you or any of your passengers were injured in the incident, please provide us with the information on the injuries. You should keep copies of all medical expenses you have, like paying for tests or prescription drugs.
- WHAT HEPPENS NEXT?:
- For comprehensive policies, once we have the estimate, we will appoint an assessor to inspect your vehicle within 24 hours. The assessor is an independent professional not affiliated with General Accident. They will provide us with a report 5 to 7 working days. You will be notified when the report is received.
- The assessor’s report, which quantifies the estimate provided by your repairer, provides a guide as to how your vehicle should be repaired or if it should be treated as a Total Loss.
- With three days of receiving the assessor’s report, we will then communicate to you how we intend to settle your claim. There are many factors which can affect the settlement of your claim.
- DOES MY INSURANCE POLICY COVER MY MEDICAL EXPENSES OR THE MEDICAL EXPENSES OF MY PASSENGER?
- However, it depends on the policy cover you have bought. Ask us if you don’t know.
- SUPPOSE MY CARE WAS BADLY DAMAGED THAT IT COULD NOT BE DRIVEN, AND I HAD TO RENT A CAR, WILL I BE REIMBURSED?
- General Accident offers a Replacement Vehicle optional benefit that covers a rental care. Please confirm with us at the time of your claim to ascertain if this benefit was previously purchased.
- If the replacement vehicle hire benefit was not included, General Accident will not reimburse you for your rental expense however, this amount is recoverable from the third party insurer if you are not at fault in the accident.
- If you are uncertain if your policy covers loss of use, ask us when you report your claim.
- HOW LONG DOES IT TAKE TO SETTLE A MOTOR CLAIM?
- This depends on many different factors and it is true the process can be longer than you would like. For incidents that do not require an investigation, we can settle your claim within 15 days of receiving the assessor’s report.
- I WAS AT FAULT IN THE COLLISION, AND NOW THE OTHER DRIVER IS THREATENING, WHAT DO I DO?
- Tell the other driver you have reported the matter to your insurance company, and they should report the incident to theirs.
- If anyone threatens your health and safety or the health and safety of members of your family, you should report the matter to the police. This is why it is important to report all i Incidents, no matter how minor.
- WHAT SHOULD I DO IF I AM NOT HAPPY WITH HOW MY CLAIM IS PROGRESSING?
- If you are unhappy with the claim’s processing, you can request that the matter be referred to the Claims Manager and for the issues to be addressed.
- WHAT IF I AM NOT AT FAULT IN THE COLLISION?
- For Comprehensive Policies, we can proceed with settlement from your policy and recover the Third Party’s Insurer. When claiming from your policy, the policy excess will be payable by you and recoverable from the third party insurer.
- For Third Party Policies, you will be required to provide us with an estimate, assessor’s report and loss of us claim for submission to the Third Party’s Insurer. Please note that the recovery process is unpredictable and outside the control of GENAC.