Car Insurance makes life easier when accidents happen. With the right insurance, you will never stress over an extensive damage repair bill due to accidents. It makes it much easier to deal with other parties; as your insurer handles the claims process. Car insurance safeguards your car against any damage to your vehicle. With the right policy, your vehicle is ensured safe from disasters, theft, fire, or damage from accidents.
In South Africa, road safety protocols are largely undermined, which leads to a very high accident rate. The majority of car accidents are caused by human error. This happens when drivers behave recklessly behind the wheel. A negligent driver could for example skip a red light and slam into your car and some drive intoxicated which is one of the highest causes of road accidents in South Africa.
It is very likely to fall victim to an accident, so we recommend you be prepared for the worst because you never know what could happen next. In this article, we give you some helpful tips on what to do after you have been involved in an accident and how you can get your car fixed so that you can be back on the road as fast as possible.
Kiwis Auto body repairs is a family panel beating business that has been operating since the late 90s. Throughout the years we’ve helped several customers with their accident repairs, whether it’s a small bump or a major repair. We pride ourselves in our craftsmanship and we’d love to help take away the stress of getting your car repaired. If your car needs repairing get in touch by submitting a quote and a friendly staff member will get back to you.
If you own a car, it’s worth noting that several insurance actuaries found that a person has on average four accidents throughout their lifetime on the road. The roads are full of distraction, negligence, recklessness, and lack of skill. If you have been in an accident and need to know how to handle your insurance and when to make an insurance claim, keep reading, and you will learn everything you need to know. So, when should you file an insurance claim?
You can contact your insurance provider when any of the following occur:
While on the call with your insurance provider, you will need your policy number and full details of the incident to provide the information required. This will include all of the names, addresses, contact details, date and time of the incident, driver’s license, and license plate numbers.
Understanding the difference between comprehensive and third-party insurance is essential to deciding what will suit you and your vehicle. The main difference between the two insurances is their kind of coverage and purpose offers. Read the difference between third-party insurance and comprehensive insurance.
This is the most preferred vehicle insurance because it covers all damages caused to you and your own car, not only third-party liabilities or losses.
Comprehensive car insurance somewhat benefits from the coverage for the damages to your vehicle. The benefit is that while you and your car are protected, it will also save you from financial losses of any damages caused to a third party. You can also customize your policy just the way you want it, by picking add-ons to extend the coverage your vehicle can receive. These can include engine and gearbox protection and a range of consumables covers.
As with all things, comprehensive insurance also has certain limitations. It cannot fully cover the damage to the vehicle parts, which are made of rubber or fibre, and the damages caused due to normal ageing and wear and tear of your car.
This is the most basic and legal form of insurance for needed vehicles. It will only protect you from losses and damages caused to another party and not cover your own.
Third-Party Insurance’s primary purpose is to protect you from losses and damages caused to another party from your own vehicle. In other words, if you bump into someone’s personal property, your third-party insurance provider will cover the losses that occurred.