Zawamu Insurance Agency

23/11/2023

A. Today we talk about Claims-

A claim is a request by the policyholder to an insurance company for coverage or compensation for a covered loss.

We start with the claims process.

In the event of an accident do the following,

1)Take photos of the accident scene
2)Call the police (Boda boda guys hawakosi number ya the nearest police station)
3) Call your insurers or Intermediary and notify them.

The following day Report formally to the insurance company
B. Move your vehicle to the garage/ Move your vehicle to the insurers Assessment center
Support documents
C. Fill a claim form
D. Police abstract
E. Drivers License
F. Scene Photos (Not a must but they are very important)

The claims Analyst will analyze the claim and give a go ahead by either appointing and assessor or subjecting the claim to investigations (All Total theft claims are subjected to Investigations)

Once the vehicle has been assessed the assessor will wait for the garage repair estimates to compile his final report.

Once ready the report will be sent to the insurers for consideration and approvals (Some external assessors have the authority to approve small claims) Small claims is relative differs from one insurer to another.

After the internal approval process the insurer will issue a repair authority to the garage to go on with repairs at an agreed amount.

The garage is given timelines by the assessor depending on the amount of work, availability of parts and other factors.

After repairs are completed, The assessor will reinspect the motor vehicle and a Release letter will be issued.

Take your motor vehicle and leave and thank your insurance/ intermediay.

20/11/2023

DO NOT ADMIT LIABILITY…

All motor insurance policies have that disclaimer why is it so,

Motor claims which the above disclaimer apply are either material damage or injury claims,

let’s start with the Material damage,

Material Damage is whereby in the event of an accident only the motor vehicles are damaged and no injury to either the passengers or the driver.

The reason why you should not admit liability in such a case is because in every damage there is an element of negligence from the all parties. If you admit liability, you put your insurer in a difficult situation, its like negotiating for something then another person pays and you don’t know their budget.

Injury claims, This is whereby in the event of an accident one of the occupants of the motor vehicles/vehicle involved has been injured.

This is one of the most complex one because you cannot quantify the life of a person in monetary terms and most of these cases have to be determined by the courts the reason they take long to be paid. Save for the small claims which can be referred to the small claims court. (a court which settles for claims which are less than 1 million)

In the above two the material damage is the easiest to settle and in most cases the police will tell the parties involved…

“Endeni uko msikizane mkishindwa kujeni niwaandikie”

Si DO NOT ADMIT LIABILITY instead contact your insurers….

DO NOT ADMIT LIABILITY…

All motor insurance policies have that disclaimer why is it so,

Motor claims which the above disclaimer apply are either material damage or injury claims,

let’s start with the Material damage,

Material Damage is whereby in the event of an accident only the motor vehicles are damaged and no injury to either the passengers or the driver.

The reason why you should not admit liability in such a case is because in every damage there is an element of negligence from the all parties. If you admit liability, you put your insurer in a difficult situation, its like negotiating for something then another person pays and you don’t know their budget.

Injury claims, This is whereby in the event of an accident one of the occupants of the motor vehicles/vehicle involved has been injured.

This is one of the most complex one because you cannot quantify the life of a person in monetary terms and most of these cases have to be determined by the courts the reason they take long to be paid. Save for the small claims which can be referred to the small claims court. (a court which settles for claims which are less than 1 million)

In the above two the material damage is the easiest to settle and in most cases the police will tell the parties involved…

“Endeni uko msikizane mkishindwa kujeni niwaandikie”

Si DO NOT ADMIT LIABILITY instead contact your insurers….

Call now to connect with business.

15/11/2023

Good evening, today we wish to enlighten people about motor insurance and the various scope of cover.

1) Comprehensive- The most superior of all motor insurances, Covers risks against own damage, Fire, Third Party, Theft (Partial and Total Theft)

2) Third Party and Fire and Theft- The second cover after Comprehensive Covers against fire, theft( Partial and Total) Not common in the kenyan market becasuse of its high risk nature

3) Third Party Only _ The most basic but most important cover( Its mandatory when driving in a public road)

This is the most important cover because it covers against third party risks, like Damage to other peoples property, Injury to third parties( People who you don't have blood relation and your immediate family)

In the event of an accident and you have third party, Make sure you report to the police and your insurer.

On material damage claims if small( This is relative) you can always agree and compensate the other party and should be done in a written form.

Injury claims do not have that option because, you cannot quantify the life of a person on monetary terms. Only the lawyers and court can do that and come up with an amount which is agreeable to all parties.

In the event of an accident DO NOT ADMIT LIABILITY we will explain that tomorrow.

Zawamu Insurance Agency



Beyond

19/09/2023

The Dream of having a universal healthcare has been there for successive governments without success.

We are doing that at
Zawamu Insurance Agency. With as little as Kshs. 6,200 in a year you will get an inpatient limit of Kshs. 250K.

19/09/2023

For all your General, Life, Health, Pensions insurance needs.

DM or Call us for a quote.

Zawamu Insurance Agency
Service beyond the obvious.

01/09/2023