LATEST QUESTIONS

• Notify the insurance company

• Obtain and complete claim forms.

A typical personal accident insurance policy has he following benefits:
(i) Accident death benefit – This will be the sum insured.
(ii) Permanent total disablement from an accident – A continental scale is normally contained in the proposal form.
(iii) Temporary Total disablement – This will normally be a weekly benefit for a maximum of 104 weeks.
(iv) Medical expenses – this will be on reimbursement basis.

What would you do if you were not insured and permanently lost a limb or your sight? Would be able to remain in your job or at your current income level? If that injury resulted in your death, how your loved ones would be affected.

Personal accident insurance provides benefits in the event of death or disablement resulting from an accident.

• Let your agent or company representative know that you are unhappy.
• If the agent or representative is unable to solve your problem, lodge a formal complaint with the Chief Executive Officer of the company concerned.

Appoint a motor assessor, who is duly licensed by the Commissioner of insurance. The Assessor will give a report on the condition of the vehicle, the estimate of repairs and whether the vehicle is repairable or a write off.