{"id":669,"date":"2020-12-01T15:25:32","date_gmt":"2020-12-01T09:55:32","guid":{"rendered":"https:\/\/www.plancover.com\/insurance\/?p=669"},"modified":"2020-12-01T15:25:32","modified_gmt":"2020-12-01T09:55:32","slug":"liability-insurance-claim-procedures","status":"publish","type":"post","link":"https:\/\/www.plancover.com\/insurance\/liability-insurance-claim-procedures\/","title":{"rendered":"Liability Insurance Claim Procedures"},"content":{"rendered":"<p style=\"text-align: center;\"><span style=\"font-size: 14pt;\">Liability Insurance Claim Procedures<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">Liability insurance provides protection against claims resulting from injuries and damage to people and\/or property occurring during the course of the insured\u2019s activities. Liability insurance policies cover both legal costs and any legal payouts for which the insured would be responsible if found legally liable.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">There are many forms of Liability Insurance viz., Commercial General Liability, Third Party Liability, Professional Liability, Errors &amp; Omission Liability, Director\u2019s &amp; Officer\u2019s Liability, Cyber Risk Liability, Product Liability, Employer\u2019s Liability, Carrier Legal Liability, etc.<\/span><\/p>\n<p><strong><span style=\"font-size: 14pt;\">The following course of action can be undertaken to ensure a speedy conclusion of a claim:<\/span><\/strong><\/p>\n<p><span style=\"font-size: 14pt;\">1. As soon as an accident\/incident occurs, inform the insurance company or the broker over phone as well as in writing stating the following:<\/span><\/p>\n<ul>\n<li><span style=\"font-size: 14pt;\">Policy Number<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">Name of the Company<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">Type of Policy<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">Current contact information<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">Details of the claim<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">When the claim occurred<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">When the claim was intimated to the insured<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">Names and addresses of the claimant<\/span><\/li>\n<\/ul>\n<p><span style=\"font-size: 14pt;\">2. Notify the police if required<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">3. Fill up the claim form with complete details regarding the claim i.e. circumstance of loss, date and time of loss, cause and extent of loss, etc and submit to the insurer<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">4. Provide an estimate of the claim, if known<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">5. Mention the details of injury sustained if any and also the medical support given for the same<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">6. Co-operate with the surveyors and insurance officials to enable them to work towards a quick settlement of the claim<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">7. Forward all documents, communications, etc., received from the claimants to the insurer<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">8. Do not correspond directly with the claimant without the prior notice of the insurer<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">9. Do not admit liability of any incident<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">10. Do not also make an admission of guilt or promise or offer of payment in connection with any such claims unless agreed by the insurer<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">11. Provide details of any other insurances which are in place under which this loss could be covered<\/span><\/p>\n<h2><span style=\"font-size: 18pt;\">Claim Documents<\/span><\/h2>\n<p><span style=\"font-size: 14pt;\">In order to help prove the claim, the surveyor or insurance company may seek documentary evidence, such as:<\/span><\/p>\n<ol>\n<li><span style=\"font-size: 14pt;\">Completed claim form<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">Incident report<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">Police report where appropriate<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">Letters, emails and other communications from the claimant<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">Medical report, medical bills and receipts; in the case of injury claim<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">Death certificate, post-mortem report, identity card; in the case of death claim<\/span><\/li>\n<\/ol>\n<p><span style=\"font-size: 14pt;\">The above decrements is only indicative and not exhaustive.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Liability Insurance Claim Procedures Liability insurance provides protection against claims resulting from injuries and damage to people and\/or property occurring during the course of the insured\u2019s activities. Liability insurance policies&#8230;<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"cybocfi_hide_featured_image":"","footnotes":""},"categories":[42],"tags":[5,86],"_links":{"self":[{"href":"https:\/\/www.plancover.com\/insurance\/wp-json\/wp\/v2\/posts\/669"}],"collection":[{"href":"https:\/\/www.plancover.com\/insurance\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.plancover.com\/insurance\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.plancover.com\/insurance\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.plancover.com\/insurance\/wp-json\/wp\/v2\/comments?post=669"}],"version-history":[{"count":2,"href":"https:\/\/www.plancover.com\/insurance\/wp-json\/wp\/v2\/posts\/669\/revisions"}],"predecessor-version":[{"id":671,"href":"https:\/\/www.plancover.com\/insurance\/wp-json\/wp\/v2\/posts\/669\/revisions\/671"}],"wp:attachment":[{"href":"https:\/\/www.plancover.com\/insurance\/wp-json\/wp\/v2\/media?parent=669"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.plancover.com\/insurance\/wp-json\/wp\/v2\/categories?post=669"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.plancover.com\/insurance\/wp-json\/wp\/v2\/tags?post=669"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}