This document provides an overview of the claims processing process for an insurance company. It discusses the typical steps involved in handling different types of motor vehicle claims, including requirements for documentation. Key points include: - The path of a motor vehicle claim with comprehensive coverage involves notifying the insurer, completing forms, providing estimates, assessments, repairs, and payments. Claims over $500 require two estimates. - Claims with third party only coverage follow notification, forms, and a police report, then the insurer deals with liable parties or transfers to their insurer. - Required documents vary but can include the driver's license, vehicle registration, insurance details, estimates, and police reports. Theft must be reported immediately with a notification

1. PRESENTATION ON CLAIMS PROCESSING
CLAIMS DEPARTMENT
Viateur KAYIGAMBA.

2. INTRODUCTION
• What is insurance?
• Why should x and y persons insure their
assets using insurers?
• What are the main activities of insurers?
• What are the expectations of clients
from insurers?
• Why can people choose insurer A
instead of Insurer B with the same
product?

3. INTRODUCTION Cont’d
1. Simply, insurance is a way of risk transfer.
2. People insure their assets for securing their assets
against the uncertainty changes of the future.
3. Insurers deal with 3 mains activities; Underwriting,
Claims and Marketing.
4. People by insuring their assets using insurers, firstly
expect security of their assets with the hope that by
the loss occurring they may be compensated. i.e
There should be a kind of trust between two parties.
5. With the perfect competition market, the customer is
the king and choose with his/her preferences basing
on service deliverance or Customer service.

4. Path of claim handling
A. For Vehicle with Comprehensive Cover
1.Accident happening
2.Claim notification
3.Complete the claim form
4.Bring the estimate of repairs
5.We do assessment report
6.We issue the authority to repair to the garage
7.After repairs, our assessor does the re-assessment report before
the car is released from the garage.
8.The client has to sign the satisfaction note in the garage and then
take his car.
9.The garage brings the invoice to us and we pay.
10.The end of claim.
NOTE: For estimates of repairs with amount above 500,000, the
client is required to bring 2 different E.R from 2 garages.

5. Path of claim handling cont’d
• B. For a vehicle with Third Party only Cover
1. Accident happening
2. Claim notification
3. Complete the claim form
4. Bring the abstract Police report
5. Two Possible cases;
 When our client is liable for the accident as per police report ;
-the client deals with repairs him/herself as the contract stipulates
Itself.
 When the third party is liable for the accident as per police
report;- we do a transfer to the third party’s insurer, it may be
SORAS, SONARWA, CORAR, PRIME,..ETC.

6. Required documents for Motor Claims
A. Own Damage Claims / Self involving
1.Copy of ;driving licence of the person driving the car at the material time
of accident(Permis de Conduire)
2. Loog book(Carte Jaune)
3. Insurance Certificate (Vignette)
4. Photocopy of your policy and receipt
4. Estimates for repairs
5. Police statement for all accidents involving third party
Important notice: Please note that the vehicle repairs should not be
initiated till inspection is done and assessment is finalized.

7. B. Normal case(Road accidents)
i.Completed Claim Form
ii.Copy of the log book
iii.Police Abstract Report
iv.Motor Vehicle Inspection report (for third party claims)
v.Copy of the Driver’s Driving license
vi.Estimates of repairs
C. For the case of Total Loss & Theft of Motor vehicle;
•Duplicate certificate of Insurance
•Valuation/Assessment report
•Original logbook in our insured’s name
Required documents for Motor Claims

8. Required documents for Motor Claims
D. Theft of motor vehicle
1.Report the theft to the nearest
police station immediately
2.Fill and intimate to us the theft
notification form with the following
supporting documents:
Copy of your declaration report to
police
Photocopy of person who drove the
vehicle before it is stolen
Photocopy of your policy and receipt
Log book or registration card/yellow
card
Police statement.
.E Vehicle attacked by Fire
• Copy of PIN Certificate
• Copy of National Identity card
• For companies – Certificate of
registration
• Signed but undated transfer form
• Spare car keys
• Spare wheel, jack & spanner
• For total loss surrender the salvage to
UAP P
 Important notice: Please don’t admit
liability and undergo any negotiation
without prior written permission from
your insurer. If you do so, your
commitment will not bind your insurer.

9. CLAIM FORM COMPLETION
Motor Accident Claim Form
Important Notice
1. No Liability is admitted by issue of this form Insurer’s Claim No:
2. Neither owner nor driver may admit fault or Liability Broker Ref. No.
for this Accident.
3. Do not answer communications about this Accident,
Direct these to the Insurance Company for Action
4. Please let us have an estimate of repair cost 5. Repairs must not be authorised without prior authority of the
Insurance Company 6 All questions on this form must be answered
* Remember: Incomplete answers will lead to delayed processing of your claim.

10. Insured’s Details
Name___________________________________________________________________________________________________
__
First Middle Last
Address________________________________________________
Telephone___________________________________________
Email ________________________________________________
Fax__________________________________________________
Business or
Occupation_______________________________________________________________________________________ V.A.T.
Registration No. ________________________________________________________________________________________
Policy
Policy Number
______________________________________________________________________________________________
Period of Insurance; From:____________________________________________To:
_____________________________________
Date of payment of last premium
_______________________________________________________________________________
Type of cover: Comprehensive TPF&T TPO
Name of hire purchase or finance company (if any)________________________________________________________________

11. Vehicle
Make & Model _____________________________________Year of
manufacture_______________________________________
Reg. No. of vehicle__________________________________ Carrying capacity
_________________________________________
Reg. No. of trailer ___________________________________Capacity
_______________________________________________
Name and Address of
Owner__________________________________________________________________________________
Use
State the exact purpose for which the vehicle was being used at the time of the accident
___________________________________________________________________________________________________________
___________________________________________________________________________________________________________
Commercial Vehicles
Description of goods being carried _____________________________________________________________________________
Name of owner of goods _____________________________________________________________________________________
Was a trailer attached?_______________________________________________________________________________________
Weight of load on (a) Vehicle _______________________________________(b) Trailer(s)
_________________________________

12. Drivers’ Details (even if it is the insured)
Name______________________________________________________________________________________________________
First Middle Last
Occupation ___________________________________________Date of birth__________________________________________
Address _____________________________________________________Tel No.________________________________________
Is he/she employed by you? Yes No
How long has he/she been in your service? _____________________________________________________________________
Was he/she driving with your permission?
Yes No
How long has he/she been driving motor vehicles? ______________________________________________________________
Was he/she in any way to blame for the accident?
Yes No
Did he/she admit liability?
Yes No
Has he /she had any previous accidents?
Yes No
If so, how many, an approximate date? _________________________________________________________________________
Has he any conviction for any offence in connection with any motor vehicle or any charges pending?

13. Yes No
Ifso,givedetailsincludingdates_______________________________________________________________________________
___________________________________________________________________________________________________________
Does he/sheholdafullorprovisionallicencetodrivethisvehicle? Full Provisional
Iffull,state datewhen drivingtestfirstpassed___________________________________________________________________
Number___________________________________________________________________________________________________
Doeshe/sheownaMotorVehicle?
Yes No
Ifso,givenameandaddressofInsurer
___________________________________________________________________________
__________________________________________________________________________________________________________
Driver’sPolicyNo.___________________________________________________________________________________________

14. Accident
Date __________________________________________________________Time________________________________
a.m./p.m.
Place______________________________________________________________________________________________________
_
Type of Road
Surface__________________________________________________________________________________________
Visibility_______________________________________________________Wet or Dry?
___________________________________
What lights were showing on your
vehicle?________________________________________________________________________
What warning did your driver give? _____________________________________________________________________________
Estimated speed before accident _______________________________________________________________________________
Weather condition ___________________________________________________________________________________________
Did Police take particulars? ____________________________________________________________________________________
If so, give Constable’s number and station
________________________________________________________________________ To which Police Station was the accident
reported? ________________________________________________________________ Attach copy notice of intended
prosecution if any.

15. Plan Of Accident
Draw sketch stating approximate measurements showing position of vehicles and persons concerned and the direction in which
they were travelling. Also show type and position of traffic signs, skid marks, pedestrian crossings and any other relevant
information.
Statement By Driver
___________________________________________________________________________________________________________
___________________________________________________________________________________________________________
___________________________________________________________________________________________________________
___________________________________________________________________________________________________________
___________________________________________________________________________________________________________
Signature of Driver __________________________________________________________________________________________
Statement By Owner Or Insured
___________________________________________________________________________________________________________
_
___________________________________________________________________________________________________________
___________________________________________________________________________________________________________
___________________________________________________________________________________________________________
___________________________________________________________________________________________________________

16. DamageToInsuredVehicle
State briefly apparent
damage________________________________________________________________________________ (IN All CASeS
wheReyOURVehICleISDAMAgeDANDyOUAReeNTITleDTO ClAIMUNDeRyOURPOlICy, PleASe SeND
ATONCeTOTheCOMPANyAN eSTIMATeFORRePAIRS).
Repairersnameandaddress___________________________________________________________________________________
TelNo._________________________________________________ Isthevehiclestillinuse? Yes
Whenandwherecanitbeinspected?___________________________________________________________________________

18. Name ___________________________________________________ Address _____________________________________________
___________________________________________________________________________________________________________
Passengers In your Vehicle
Name ___________________________________________________ Address ____________________________________________
_________________________________________________________________________________________________
I DeClARe that these particulars are true and correct and undertake to forward immediately (and answered)
any correspondence relating to this accident.
Date _________________________________Name _______________________________________________________________
Signature of Insured _________________________________________________________________________________________
( and Stamp )

19. Q & A
Thank You!
THANK YOU
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