In Kenya, the car accident claim process typically involves several steps, including reporting the accident, gathering evidence, filing a claim with the insurance company, and negotiating a settlement. Here’s an overview of the car accident claim process in Kenya: Click the link to find the tree types of insurance cover https://upandgoinsuranceagency.com/services/personal-family-products/private-car-insurance/

Claim guideline from IRA https://www.ira.go.ke/images/docs/Guidelines1_on_Claims_Management.pdf

  1. Report the Accident: Immediately after the accident, it’s essential to report it to the relevant authorities, such as the police or traffic department. In Kenya, reporting accidents to the police is mandatory, especially if there are injuries, fatalities, or significant property damage. The police will investigate the accident and prepare an accident report, which is required for the insurance claim process.
  2. Exchange Information: Exchange contact and insurance information with the other driver(s) involved in the accident. Gather details such as names, addresses, phone numbers, vehicle registration information, and insurance policy numbers. Also, collect the names and contact information of any witnesses to the accident.
  3. Document the Scene: Take photos and videos of the accident scene, including vehicle damage, injuries, road conditions, traffic signs, and any other relevant details. This documentation can serve as valuable evidence during the claims process.
  4. Seek Medical Attention: If you or anyone else involved in the accident has sustained injuries, seek medical attention immediately. In Kenya, medical treatment is available at government hospitals, private hospitals, and clinics. It’s important to document all injuries and medical expenses for insurance purposes.
  5. Notify Your Insurance Company: Contact your insurance company as soon as possible to report the accident and initiate the claims process. Provide them with all the relevant details about the accident, including the police report, other driver’s information, and any injuries sustained. Be prepared to provide photos or videos of the accident scene if available.
  6. File a Claim: Your insurance company will guide you through the process of filing a claim. This typically involves completing a claims form and providing supporting documentation, such as the police report, medical records, repair estimates, and photos of the accident scene.
  7. Investigation: The insurance company will conduct an investigation into the accident to determine liability and assess the extent of damages. This may involve reviewing the accident report, speaking with witnesses, inspecting the vehicles involved, and assessing medical records.
  8. Evaluation of Damages: Once the investigation is complete, the insurance company will evaluate the damages and determine the amount of compensation you are entitled to under your policy. This may include coverage for vehicle repairs, medical expenses, and other losses incurred as a result of the accident.
  9. Settlement Negotiation: If the insurance company accepts liability for the accident, they may offer you a settlement amount to resolve the claim. You have the option to accept the settlement, negotiate for a higher amount, or reject the offer and pursue other legal options.
  10. Resolution: Once a settlement is reached, the insurance company will issue payment for the agreed-upon amount. If you disagree with the settlement or cannot reach a resolution with the insurance company, you may choose to pursue further legal action through the court system.

It’s important to familiarize yourself with the specific laws and regulations governing car insurance and accidents in Kenya, as they can impact the claims process. Additionally, consider consulting with a local attorney or insurance professional for guidance on navigating the car accident claim process in Kenya.

Drop a question regarding car claiming process via the link https://upandgoinsuranceagency.com/contact/

Continue Reading