Experiencing a vehicle mishap is bad in itself, plus it can lead to a nerve-wracking motor insurance claim form-filling process. These forms can lead to anxiety on top of vehicle damage, injuries, or vehicle theft. This is what we will cover in the quick guide below - how to make a motor insurance claim form with the relevant sections and make a customer fill it out quickly.

What’s in a Motor Insurance Claim Form?

Succinctly put, a motor insurance claim form is an insurance company’s tool for the customer to recover financially. This applies to any motor vehicle that is covered by motor insurance. This form acts as a source of communication with the insurance provider, where the customer lists specific claims and kickstarts the evaluation and processing steps.

Motor Insurance Claim Form Use Cases

The exact usage of a motor insurance claim form might slightly differ across insurance providers. But the three scenarios when it is used are consistent nevertheless:

• Vehicle damage: This scenario is in the case of an accident where the customer marks every level of damage to the insured vehicle covered in motor insurance. Everything from collisions to dents or even vandalism is listed down.

• Theft or complete loss: A motor insurance claim form becomes critical in recouping the value of a stolen or irretrievably damaged vehicle. A police complaint is necessary to show evidence of theft or total vehicular destruction.

• Third-party claims: In this case, the form helps the insurer settle compensation claims if the customer’s vehicle causes damage or injury to any other person or vehicle on the road during an accident.

Sections of a Motor Insurance Claim Form

Now that we’ve covered when a motor insurance claim form is used let's look at the typical structure of a motor insurance claim form:

Policyholder Information: The goal here is to gather primary details of the customer, such as name, address, policy number, and contact info, to confirm their identity and verify their motor insurance.

Incident Specifics: In this section, the motor insurance claim form requires comprehensive details of the event, including:

Source

• Police report

• Accurate location, date, and time of the incident

• Kind of incident (theft, collision, vandalism, etc.) and its complete description

Vehicle Specifics: For the insurance provider to match the motor insurance vehicle with the one that was in the event, this section requires details on the following:

• Make and model specifications

• Year of manufacturing

• Vehicle Registration and Chassis number

• Odometer reading at the time of the incident

Driver Information: If another person was driving the vehicle during the event, their details are asked - Name, Address, and Driver's license number - along with their relationship with the customer.

Source

Third-Party Information (if valid): If anybody besides the customer experienced injuries or property damage, the following details of the affected individual(s) are needed:

• Name, address, and contact information

• Extent of injuries or property damage

• Medical report for human injury

Witness Information (if available): Witness contact details are asked in this section to aid the motor insurance claim investigation further.

Damages & Repairs: The customer describes the damage to their vehicle and supporting documents from a motor vehicle mechanic to accurately assess the repair costs. This

Legal Confirmation and Signature: This final section affirms the validity of the information provided by the customer. The customer is asked to read through the details before signing it off.

How to Make the Submissions Faster?

• Precision and Fulfillment: Asking the customer for complete and accurate information is critical. Educate the customer that inconsistencies or omissions delay the investigation process and might sometimes jeopardize the claim.

• Accompanying Documents: At the beginning of the motor insurance claim form, tell the customer to have relevant documents, like police and medical reports. Make the form compatible with documents and scanned images.

• Timely Submission: If the customer does not provide any details, tell them when they can submit. Additionally, at the end of the form, inform them of the expected timeline by when the motor insurance claim form will be processed and compensation be released.

Final Thoughts and Key Action Steps

Knowing the purpose, structure, and significance of every motor insurance claim form section can help you create far more user-friendly forms. Remember, the essence of this form lies in clarity, precision, and customer convenience so that the form-filling process is not stressful and tedious.

If you plan to make a motor insurance claim form, use fast WorkHack forms that capture data with higher conversion rates.