What documents are required for insurance claim processing when liability has been fully established

23 April, 2025

An insurance claim is a formal request made by a policyholder to an insurance company for compensation based on the terms and conditions of the insurance one buys for cover.

The claim is submitted when the insured or individual experiences a loss or damage covered under the policy, such as an accident, illness, or property damage.

The insurance claims processing involves the following steps:

1. Notification of Claim: Report the loss or damage to the insurer, providing relevant details and documentation.

2. Claim Investigation: The insurer evaluates the extent of damages or losses.

3. Documentation Submission: Submit necessary paperwork to the insurance company.

4. Claim Evaluation: The insurer assesses the validity of the claim.

5. Claim Settlement: Payout is determined and made according to policy terms.

Dos and Don’ts in the event of a claim?

Non-motor insurance comprise of several lines example public liability, professional indemnity, personal accident etc. Each non-motor insurance claim has its own specific claims procedure and conditions. Generally, when an accident occurs the insured should comply with the following :

1. Report to the police.

2. Contact your broker/insurer and fill the specific claim form.

3. Do not settle or negotiate to settle, admit or repudiate any claim without the consent of your broker/insurer.

4. Forward all relevant documentary evidence in respect of the loss.

5. Forward all claims writs of summons or letters from third parties to your broker/insurer through insureghana.com.

MOTOR

A. Own damage

Report the loss to the insurer and fill the accident report form.
Attach a copy of the driver’s license.
Furnish the insurer with an estimate of the cost of repairs from either the insurer’s recommended garage or a repairer of your choice.
Provide pictures of the damaged vehicle, clearly showing the registration number of the accident vehicle.
Allow damaged vehicle to be inspected by the insurer’s surveyor before the commencement of repairs.
Police report would be required, depending on the circumstances leading to the loss.

B. Property damage claim

Letter of claim
Police Report
Furnish the insurer with an estimate of the cost of repairs from either the insurer’s recommended garage or a repairer of your choice.
Provide pictures of the damaged vehicle.
Provide driving license of the insured’s driver.

C. Injury cases·

Letter of claim
Police Report
Medical report
Original receipts of Medical Bill incurred (To justify the cost being claimed for)
Sworn Affidavit.

Two (2) passport-size pictures of the injured victim endorsed by the doctor who treated the victim.

D. Deceased (death) cases

Letter of claim
Police Report
Death Certificate/Burial permit/Post-mortem report
Letters of Administration
Personal Particulars of the deceased
Sworn Affidavit
Endorsed passport size pictures of Administrators (2 each).

In all cases, the insurance company will issue a discharge form, which states the agreed quantum (amount), to the insured or claimant for execution and forwarded back to enable us process the cheque.

Tags: Insurance Documents Claims Processing

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