Typical, we have just suffered an accident , and now what do we have to do? What steps would be logical, appropriate and correct?
First of all, regardless of whether it is our fault or that of a third party , we must contact our insurance company and declare the claim .
Vehicle / motorcycle policy loss
In the case of a car accident or motorcycle accident , it will be necessary to know how to fill out the friendly accident declaration ( known as a friendly report ) and make sure that the other party is insured , all of this at the same place and time of the accident.
What to do if the other party is not insured, or does not have the papers at hand?
In the event that you are not insured :
- Call your insurance company and report the situation. They will handle everything through the police.
- Likewise, you complete the DAA and both parties involved sign it .
In the event that you do not have the papers : ( the procedure is the same as in the previous case )
- Call your insurance company and report the situation. They will handle everything through the police.
- Likewise, you complete the DAA and both parties involved sign it .
What is a friendly accident declaration (DAA)?
It is a document whose main objective is to expedite the processing of material damages caused by the use of motor vehicles.
Generally, when we take out car and/or motorcycle insurance , we are given a copy of the DAA , along with the policy and the terms and conditions of the contracted product .
We recommend that you follow these instructions:
Write clearly: fill in the details in capital letters and avoid confusing the details of vehicle A ( blue background column ) with those of vehicle B ( yellow background column ).
Fill in as much information as possible.
- Look carefully at the central column , which determines the circumstances of the accident .
- If there are witnesses to the accident , write down their phone number and address .
- If there are injuries or more vehicles involved , fill out the corresponding section.
- Draw a sketch of the accident scene , as close to reality as possible.
- Sign the document and make sure that the other driver does so as well, and that he keeps a copy of it, and the original will be the one you will have to take to your insurance company .
Once we have the declaration, we will go to our insurance company and there they will inform us of the entire protocol .
Home / business / entrepreneurial policy loss
In the event of an accident at our home, business and/or store , we will also have to contact our company , we will have to do this as quickly as possible, so that the claims team can determine whether it is necessary to send an expert or repairer , and from here, they will guide you on what steps to follow.
It is also important, in these cases, to provide photos of the accident if possible.
What should be taken into account in particular? Common mistakes?
- In the case, for example, that the incident is due to water damage , which is usually the most common, we recommend calling the insurance company so that they can quickly assess what needs to be done, such as repairing it immediately and not waiting for an appraisal . Obviously, if the incident is serious , you will have to call a repairman or the 24-hour assistance service first , which are usually indicated in the policy , and then inform the company .
- The insurance company will always ask for invoices if the client has repaired the problem before “collateral damage” occurs to a third party . For example: If the insured has had a water leak in the toilet , and has already repaired it, but then the neighbour below has water stains , the insurer will claim the invoice for the repair of the toilet .
Health policy loss / subsidy / cass supplement
In the event of an accident in which we have to declare a work accident in which we have a personal injury accident report and/or proof of sick leave , we must provide the original documents to process the claim , regardless of the coverage of the policy taken out , and the invoices for the medical expenses must be brought.
What should be taken into account in particular? Common mistakes?
- Cass Supplement : Through the data authorization , a document that is signed when taking out the policy , the Cass automatically transfers all medical reports and health expenses to the company for payment . In other words, the insured does not need to provide any document to the insurer , unless the latter requires a specific document.
- Subsidy : The originals ( discharge and/or extensions ) issued to the employee must always be provided.
Above all, we take this opportunity to recommend that when you take out this type of policy you take into account what coverage you are taking out, so that at the time of receiving the financial compensation it is in accordance with your expectations or needs . Keep in mind that in matters of health , it is best to choose a product with very good coverage or that fits your needs, we do not only have to stay with the economic part , since the cheapest insurances do not always give a good result. Phrases like “what is expensive is expensive”, “the important thing is to know what is important”, “bread for today is hunger for tomorrow”, when we associate them with life, health or death insurance , make complete sense at the moment of truth.
In any of the cases mentioned above, any information will be of great help , such as the basic ones:
- Data of the insured person
- Data of the contracted policy
- Description ( including photographs, if necessary ) of the accident, such as date, place , etc.
- And in the case of there being an opposing party, details of the third party and insurance company.
For our clients, once all the data is collected, you can start processing a claim from our web form on the home page: Web form