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Kenya has one of the highest rates of road accidents in the world, with an average of 3,000 deaths per year. Accidents not only cause physical harm but also a financial strain on those involved. Therefore, having an insurance policy that covers accidents is vital.
In this article, we will look at how to file for claims in case of an accident in Kenya, using Xplico Insurance Company Limited as an example. Xplico Insurance is one of the leading insurance companies in Kenya, providing various types of insurance policies, including motor insurance. The company offers comprehensive motor insurance, which covers both third-party liability and damage to the insured vehicle.
Let us now dive into the nitty-gritty of the motor vehicle insurance claim. If you are involved in an accident and you have valid motor vehicle insurance such as an Xplico Insurance policy here are the steps you need to take to file for a claim:
- Report the accident to the police.
The first step after an accident is to report it to the police. This is a legal requirement in Kenya, and failure to do so can result in penalties. When reporting the accident, provide accurate details such as the location, time, and any injuries or damages.
- Contact your insurance provider.
After reporting the accident to the police, contact Xplico Insurance as soon as possible to report the claim. You can do this through their customer care number or by visiting their offices. Provide the details of the accident and any relevant information, including your policy number.
- Submit the required documents.
Once you have reported the claim, Xplico Insurance will require you to submit some documents to facilitate the processing of the claim. These documents include:
- A filled claim form.
- A copy of your driving license and logbook.
- A police abstract.
- A repair estimate from a reputable garage. (If you choose to repair the car yourself and claim reimbursement from the insurance.
- Pictures of the accident scene and damages.
- Any other relevant documents.
Ensure that you submit all the required documents to avoid delays in processing your claim.
- Wait for the assessment.
After submitting the claim, Xplico Insurance will assess the damages and determine the amount of compensation you are eligible for. This process may take some time; you will be notified of the outcome once it is complete.
- Receive compensation.
If your claim is successful, Xplico Insurance will compensate you for the damages or losses incurred. The compensation may be in the form of repairs, replacement, or cash payment, depending on the nature of the damages.
In summary, accidents are common in Kenya, especially in the rainy season, and having a reliable insurance policy can help ease the financial burden that comes with them.
Remember to always drive safely and observe traffic rules to avoid accidents in the first place.