Motor

Car Accident Protocol

 

  • Record the scene of the accident by sketches
  • Obtain the names, addresses and contact numbers of parties who witnessed the accident
  • Record the names, contact and ID numbers, registration numbers, make and model of vehicles, insurance details of all the parties involved in the accident
  • Accidents where persons may be injured must be reported by the owner/driver directly to the RAF (Road Accident Fund) at P O Box 2743, Pretoria, 0001 on a prescribed form within 14 days
  • Never admit liability to a third party. Instead refer all third party correspondence, allegations and demands to Chadwicks
  • If the vehicle is drivable, it may be taken to a drive-in assessment centre (if you are insured with Santam, SA Eagle or Mutual & Federal) where damages are assessed and authorised if all the policy conditions have been met
  • Alternatively, where the vehicle is drivable, those clients who are not insured with Santam, SA Eagle or Mutual & Federal, should take it to a panelbeater for a quotation and insurer assessment. This option is also open to SA Eagle, Santam and M&F clients who do not want to make use of the drive-in assessment centre.
  • Certain insurers have an approved list of panelbeaters - please liaise with Chadwicks claims personnel for the finer detail of who is approved
  • If the vehicle is not drivable, please contact Chadwicks. We will arrange for the vehicle to be towed (the reasonable towing costs are covered on most policies) to a suitable panelbeater.
  • If you are unable to contact us (the accident could occur outside business hours) and the vehicle is not drivable, arrange for the vehicle to be towed to the nearest reputable panelbeater. Advise Chadwicks as soon as possible of the accident and the whereabouts of the vehicle
  • Always complete the Car Accident Claim Form (the document is available under "Claim Forms")
  • Never authorise repairs - this authority only vests with your insurer
  • The vehicle will only be released by the panelbeater once you have paid your policy excess(es) plus any other extras incurred (storage, extra work not accident related etc) have been paid
  • In certain cases, where the damage is nominal, insurers may settle the loss without assessing the vehicle. These cases should be presented to Chadwicks together with two quotations quantifying the damage. We will approach your insurers for approval of payment of the lowest quote, less the applicable policy excess (such approval can never be guaranteed as insurers still reserve the right to assess the vehicle before indemnifying you)

 

Car Theft

 

  • Notify the Police and Chadwicks or your insurer immediately
  • Most insurers have a waiting period of between 21-30 days before they settle a bona fide loss - reason being is that a large percentage of vehicles are recovered within this period
  • Complete the Car Theft Claim Form (the document is available under "Claim Forms")
  • In certain cases, where there is Theft of motor accessories (e.g. CD players, wheels etc) only, insurers may settle the loss without assessing the vehicle. These cases should be presented to Chadwicks Short Term Insurance brokers together with two quotations quantifying the damage. We will approach your insurers for approval of payment of the lowest quote, less the applicable policy excess (such approval can never be guaranteed as insurers still reserve the right to assess the vehicle before indemnifying you)

     

 

Total Loss Settlements - Car Theft & Vehicles Beyond Economical Repair

 

  • An Agreement of Loss will be presented to you in proposed settlement of an admitted claim.
  • This amount will be net of your policy excess(es) and any outstanding Hire Purchase/Lease Agreements etc
  • The following documents will be required before the amount stipulated in the Agreement of Loss can be paid : the original certificate of registration of the vehicle & a certificate confirming the vehicle has been scrapped

 

 

Car Windscreen

 

  • Take your vehicle to any PG Glass branch and furnish them with Chadwicks Short Term Insurance Brokers' contact details 
  • PG will contact us for authorisation which will be immediate providing the terms of the policy have been met
  • You will need to pay the Windscreen excess to PG before they will release your vehicle
  • If you are unable to contact us (over weekends etc), PG usually authorise the windscreen replacement nett of the policy excess if you are able to provide them with your policy details confirming the vehicle is covered. PG will then invoice your insurers via Chadwicks Short Term Insurance Brokers and their account will be settled by your insurers provided the terms of the policy have been met. If not, you will be liable to PG for the settlement of the whole account
  • Alternatively, you could pay for PG's`account in full. Your insurers will then reimburse you nett of your policy excess providing you have complied with all the policy conditions

 

Excess Recovery 

 

  • The excess portion on all car accident insurance policies is your uninsured portion of the loss
  • If you are not liable for the loss the recovery of your excess is pursued as a courtesy and can never be guaranteed.                                                                 

 

 

 

 
 

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