Last Thursday I met with a slight accident. While I was going heading my way out of the car park near the Regal cinema, a car backed out of its parking spot onto my right rear door and got dragged over the wheel arc. The gentleman was a senior consultant to the Ministry of Public Estate Management and Development. The fault was his and he claimed it true. So there was no argument, only a polite conversation about… non accident related stuff.
The car I drive is registered in my mother’s name. It’s insured at Janashakthi Insurance. I called the number on the insurance card and they sent an agent within 15 minutes. He estimated the repair cost, gave me a receipt and told me, if it costs more, please produce an estimate to the office and it can be solved. Everyone was happy, end of story.
When a car get's into an accident, to claim the damage, the car must be running for a purpose of the insured person. That means, when I crash my mom’s car, I should tell the insurance company that I was on my way to pick her up or something like that. But that was then. Now they don’t care.
I’m sure most of you know about the no-claim bonus. For those who don’t know, it’s the discount you get from the insurance company on your insurance premium if you don’t claim anything during that year. At Janashaskthi insurance, they increase the no-claim bonus by a certain amount for each year you don’t claim anything. So even if you claim something this year, you won’t totally lose your no-claim bonus, you will lose only the addition this year.
So before you claim a small amount, calculate whether it’s worth claiming. Because the amount you save at the end of the year through the no-claim bonus will probably be higher than the small repair cost. You can get all these details from your insurance company through telephone.
The day after the accident, Janashakthi insurance called me saying an advanced payment is ready and asked me whether to post it or whether I can collect it. Of course you can cancel the claim even after they sent the cheque, but to keep things efficient, it's better to know before all this whether your claim is worth or not.
The car I drive is registered in my mother’s name. It’s insured at Janashakthi Insurance. I called the number on the insurance card and they sent an agent within 15 minutes. He estimated the repair cost, gave me a receipt and told me, if it costs more, please produce an estimate to the office and it can be solved. Everyone was happy, end of story.
When a car get's into an accident, to claim the damage, the car must be running for a purpose of the insured person. That means, when I crash my mom’s car, I should tell the insurance company that I was on my way to pick her up or something like that. But that was then. Now they don’t care.
I’m sure most of you know about the no-claim bonus. For those who don’t know, it’s the discount you get from the insurance company on your insurance premium if you don’t claim anything during that year. At Janashaskthi insurance, they increase the no-claim bonus by a certain amount for each year you don’t claim anything. So even if you claim something this year, you won’t totally lose your no-claim bonus, you will lose only the addition this year.
So before you claim a small amount, calculate whether it’s worth claiming. Because the amount you save at the end of the year through the no-claim bonus will probably be higher than the small repair cost. You can get all these details from your insurance company through telephone.
The day after the accident, Janashakthi insurance called me saying an advanced payment is ready and asked me whether to post it or whether I can collect it. Of course you can cancel the claim even after they sent the cheque, but to keep things efficient, it's better to know before all this whether your claim is worth or not.
3 comments:
machan remove the upholstery and push from the inside.. of course it is a ගොඩ වෙදකම, but worked nicely on the Corolla we owned.
That said, don't hold me responsible for any mishaps while trying to implement the ගොඩ වෙදකම I suggested :D
appreciate the suggestion. :)
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