Teboho was upset when he drove into a taxi because it had suddenly stopped.
No one got hurt, but the cars were damaged.
Teboho went straight to the nearest police station to report the accident and open a case.
He then phoned his insurance company to give them the details and claim.
He thought everything was sorted.
But he was shocked when a month later, his insurance company rejected his claim, saying he never gave them a case number.
Azikhiphi! That’s not on!
He sent it to them on the day of the accident.
So, he went to SCORPION for legal advice.
What does the law say?
There are different kinds of car insurance, so you need to ensure you have the right cover if you want to be protected.
Some policies don’t pay out if the accident is your fault.
By law, you must report the accident to the nearest police station within 24 hours, and everyone involved must open a separate case.
Make sure you send your insurance company all the necessary documents and the case number.
WHAT TO DO
Gather as many details of the accident as possible. If there are witnesses, get their details, so they can also provide testimony.
Take photos of both cars in the accident, the driver’s licence disk, number plate, and driver’s licence.
Report the accident to the police within 24 hours and send your insurance company the case number and details.
The claim will be processed by your insurance, and they have an obligation to tell you if your claim will be paid out or rejected. If rejected, they must have a valid reason.
In Teboho’s case, their reasoning is wrong, and he can dispute it.
Six things to do when you’re in an accident
)Keep calm, don’t fight with the other driver.
) Make sure you record everything important.
) Take pictures of everything.
) Don’t admit fault, let the police investigate.
) Move out of the road.
) Don’t agree to anything like repairing the damage, – it could bind you later.
How can SCORPION help?
Depending on Teboho’s policy, SCORPION will assist by dealing with the insurance company on his behalf.
You can strike back legally too!
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