Izindlela zokuthola ukukhokheleka uma okushayisile esephutheni

How to do 3rd party insurance claims

By
Sibonelo Myeni
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Uma uba sengozini yemoto ekubonakala ngokusobala ukuthi lowo okushayisile usephutheni, uyakwazi ukufaka isicelo sesinxephezelo noma sokulungisa imoto kumshwalense wakhe. Lendlela ibizwa ngokuthi yi 3rd Party Insurance Claim. Ukuze ungabi senkingeni uma usufaka lesisicelo, nansi imininingwane okumele uyithole kumshayeli wemoto ngesikhathi sengozi:

  1. Ubufakazi obukhombisa ukuthi lowo okushayisile uyena osephutheni. Lokhu kungaba ukuthi lowo okushayisile agcwalise isitatimende sengozi abeke ukuthi nguye osephutheni.
  2. Igama ngokugcwele nesibongo salowo obeshayela imoto
  3. Inombolo yomazisi walowo obeshayela (Driver’s ID number)
  4. Inombolo yocingo noma ikheli leposi ligagesi (email address)
  5. Imodeli yemoto kanye ne number plate.
  6. Umnini wemoto – igama lakhe ngokugcwele, isibongo kanye nenombolo yefoni atholakala kuyo. Lokhu kudingeka uma umshayeli engayena umnini wemoto.
  7. Ufakazi uma ekhona (Witness). Igama eligcwele, isibongo kanye nenombolo yefoni atholakala kuyo.
  8. Igama lemshwalense wakhe kanye nenombolo ye Policy. Lokhu ungakuthola emva kosuku lwengozi uma enganakho eduze.

Uma usunayo lemininingwane kumele uye emaphoyiseni ukuyokwenza isitatimende sengozi (Accident Report). Kumele angapheli amahora angamashumi amabili nane (24 hours) ungakayi kofaka isitatimende sengozi ngaphandle uma ulimele ungakwazi ukuyosenza. Uma ususenzile isitatimende, bakunika okubizwa nge nombolo ye-AR (Accident Report number). Uma ungakwazi ukuthola i-copy yesitatimende sengozi (Accident Report) uyasizakala kakhulu ngona umashawalense uyayidinga. Amaphoyisa awaphoqelekile ukukunika noma ukukuvumela uyishuthe. Uma usunalenombolo ube usu:

  1. Thola u-quotation yokulungiswa kwemoto yakho. Uqinisekise ukuthi babala umonakalo wengozi kuphela hhayi obukade ukhona. Uma kutholakala ukuthi ubuzama ubukhonyovu bokufaka nokulimala obukade bukhona emotweni, ungafaka isicelo sakho sekukhokheleka engcupheni. Le Quotation kudingeka uyithole enkampanini egunyaziwe ukulungisa uhlobo lwakho lwezimoto (Approved body repair shop).
  2. Enza i-Affidavit yokuthi awunawo umshalense noma eyokuthi unawo umshwalense kodwa ngeke usifake isicelo sokulungiselwa imoto yakho kumshwalense wakho.
  3. Thintana nomshwalenso walowo okushayisile ucele ukungena kuma 3rd party claim.
  4. Ube usufaka isicelo sakho kulowo oxhumana naye kumshwalense. Uzodinga yonke imininingwane esiyibhale lapha ngaphezulu. 
  5. Lowo omele umshwalense uba esethola imvume kumnini we policy ukuthi ngempela ungakwazi ukufaka isicelo se 3rd party. Lokhu akulula neze ngoba abanye abantu bayashintsha umqondo ngokuthi uyena obesephutheni. Uma nisigcwalise ndawonye isitatimende sengozi (Accident Report) washo lapho ukuthi uyena osephutheni, kuba ncono.
  6. Umshwalense wakhe ube usukunika ifomu oligcwalisayo lengozi kanye ne quotation yokuyilungisa. I Affidavit yokuthi awunawo umshwalense noma eyokuthi unawo umshwalense kodwa ngeke usifake isicelo sokulungiselwa imoto yakho kumshwalense wakho, uyihambisa ne Quotation. Uma bethola ukuthi awulikhulumi iqiniso kule affidavit, usuke ulimaza amathuba okukhokheleka.
  7. Umshwalense uthumela i-accessor ukuzobheka umonakalo wemoto yakho bese ubheka nokuthi lokhu okukwi quotation kuhambisana nalengozi.
  8. Isicelo sokukhokheleka sibe sesifakwa ukuze ukhokheleke. Kuma 3rd party claim abakulungiseli imoto kodwa bakukhokhela isamba semali yokulungisa. Lemali basusa kuyo i-excess uma bekukhokhela.
  9. Ube usuzilungisela wena imoto.