which insurance company to go to to settle claim?
Recently I was involved in an accident with another car. The traffic police ruled in my favour, i.e. the accident was the other party's fault.
Now, my car is 3rd party insured through Qatar Insurance Company (QIC), and the other party through the Qatar Islamic Insurance Company (QIIC). My question is: do I take the police report to my company's insurance claim department (i.e. QIC), and will they handle the claim for me with the other party's company, or do I need to go to the other party's insurance (QIIC) claims department?
This is identical to a question raised a few months back.
Please check your SMS from the Traffic Department, it will tell you where to go.
You need to go to the insurance company of the other person's car which as you state is QIIC since the police has given a decision in your favour. Go to them with your car as they may be taking photos of the damages for their files. You should also take with you the police report. Once you are there, they may ask you if you have any workshop of your choice for carrying out the repairs. If you don't, the insurance company will recommend you to a workshop with which they have agreement. But this choice is not given by all insurance companies. Please note once you put the vehicle in the workshop, the people there will give you an approximate time for completion of the work. Keep following up with them as workshops rarely meet their commitment on completion of the job. Also, if you go for genuine replacements of damaged parts, the common rule is that the insurance company will charge you 50% of the cost of original parts. However, if you opt to go go non-original spares (commonly known as Tejari), you will not need to pay a single Dirham from your pocket.
I write only when I know and can guide properly, Otherwise, I don't write for the sake of writing ........ my pal!
Go to your insurance company my pal .. your car will be repaired quickly