FAQs

SUN INSURANCE CLAIMS  

Types of Insurance Claims 

Insurance claims can fall into various categories based on the type of insurance policy and the nature of the loss. Here are some common types: 

Property Insurance Claims 

• Fire claims: Damage caused by fire, smoke, or soot. 
• Water damage claims: Damage caused by flooding, water leaks, or burst pipes. 
• Theft claims: Loss of property due to theft or burglary. 
• Natural disaster claims: Damage caused by events like hurricanes, earthquakes. 

Liability Insurance Claims 

• Bodily injury claims: Claims arising from injuries or death caused by the insured's negligence. 
• Property damage claims: Claims arising from damage to property caused by the insured's negligence

Auto Insurance Claims 

• Comprehensive claims: Damage to the insured's vehicle caused by theft, vandalism, fire, or natural disasters. 

Travel Insurance Claims 

• Medical expense claims: Claims for reimbursement of medical expenses, such as doctor's visits, hospital stays, and prescription drugs. 
• Disability claims: Claims for benefits to replace lost income due to a disability. 

Other Types of Insurance Claims 

• Marine insurance claims: Claims for damage to ships, cargo, or other marine-related losses.  

FREQUENTLY ASK QUESTIONS (FAQ's) 

General Questions 

• What is a deductible?  

A deductible is the amount you pay out-of-pocket before your insurance coverage kicks in.    

• How long does it typically take to process a claim?  

The processing time varies depending on the complexity of the claim. Simple claims might be processed within a few days, while more complex ones could take weeks or months.    

• What documents do I need to file a claim?  

This can vary depending on the type of claim, but generally, you'll need documentation as follows: 

Documents Required to Lodge a Property Insurance Claim  

Claim Form (Fully Completed):  

This document is a formal statement from the insured that outlines the details of the fire, the property lost or damaged, and the estimated value of the losses. 

• Police report: If a crime was involved (e.g., arson), a police report is crucial. 
• Nation Fire Authority Report : in case of Fire loss 
• Inventory of damaged property: A list of all damaged or destroyed items, including their estimated value. 
• Photographs and videos: Visual evidence of the damage. 
• Receipts and appraisals: Documentation of the cost of damaged items. 

Policy Information 

• Policy number: The unique identifier for your policy. 

Financial Information 

• Proof of ownership: Documentation showing you owned the property at the time of the fire. 
• Mortgage or loan information: If applicable, details about any mortgages or loans on the property. 

Other Documents 

• Expert reports: If you've obtained expert opinions (e.g., from appraisers or engineers), provide these reports. 
• Repair or replacement estimates: Quotes from contractors for repairs or replacements. 
• Temporary housing expenses: If you were displaced, documentation of temporary housing costs. 

Note: The specific documents required may vary depending on the nature of the incident. 

Documents Required to Lodge a Liability Insurance  

When filing a liability insurance claim, you'll typically need to provide the following documentation: 

Incident Details 

• Police report: If law enforcement was involved, a copy of the police report. 
• Witness statements: Statements from witnesses to the incident. 
• Photographs and videos: Visual evidence of the incident and any damage. 

Claim Form 

• Insurance claim form: A completed claim form provided by your insurance company. 
• Policy information: Your policy number, effective dates, and coverage limits. 

Medical Records 

• Medical bills: Copies of all medical bills related to the incident. 
• Doctor's notes: Statements from treating physicians. 
• Medical reports: Any diagnostic tests or medical reports. 

Damage Estimates 

• Repair estimates: Estimates from repair professionals for any property damage. 
• Replacement costs: Estimates for replacing damaged or lost items. 

Financial Information 

• Proof of income: Documentation of your income or loss of income due to the incident. 
• Bank statements: Records of any financial losses. 

Other Documents 

• Rental car agreements: If you rented a car due to the incident. 
• Wage loss documentation: If you missed work due to the incident. 
• Expert opinions: Any expert reports or evaluations related to the claim. 

Note: The specific documents required may vary depending on the nature of the incident. 

Documents Required to Lodge a Motor Vehicle Claim 

> Fully Completed Claim Form  

> Police Report 

> Driver's License Copy of the person driving the vehicle at the time of the accident 

> 2 Quotation of repair of the vehicle from a registered garage  

Third Party Property Damage Claim 

> Statutory Declaration – to state the following: 

• Owner of the vehicle/Property Title (Name & Address) as noted on the ACCF 
• If there is any Bill of Sale Holder on the vehicle  
• Is the vehicle is insured at the time of accident. 
• Any other interest on the vehicle/Property 

> ACCF copy 

> Driver's License Copy (in cases where another vehicle is involved) 

> Title copy in case of property damage other than vehicle   

> 2 quotation of repairs from a registered Business 

Documents Required to Lodge a Travel Insurance Claim 

When filing a travel insurance claim, you'll typically need to provide the following documentation: 

Claim Form 

• Insurance claim form: A completed form provided by your insurance company. 
• Policy information: Your policy number, effective dates, and coverage limits. 

Trip Information 

• Itinerary: A copy of your travel itinerary. 
• Boarding passes: Copies of your boarding passes. 
• Hotel confirmations: Confirmation emails or receipts for your accommodations. 

Incident Details 

• Police report: If law enforcement was involved (e.g., theft, accident), a copy of the police report. 
• Medical records: Copies of medical bills, doctor's notes, and any diagnostic tests. 
• Photographs and videos: Visual evidence of the incident or damage. 

Financial Documentation 

• Receipts: Copies of receipts for any expenses related to the claim (e.g., medical bills, replacement costs). 
• Bank statements: Records of any financial losses due to the incident. 

Other Documents 

• Baggage claim forms: If your luggage was lost or damaged. 
• Expert opinions: Any expert reports or evaluations related to the claim. 

Note: The specific documents required may vary depending on the nature of your claim. 

Documents Required to Lodge a Marine or Marine Cargo Insurance Claim 

When filing a marine or marine cargo insurance claim, you'll typically need to provide the following documentation: 

Policy Information 

• Insurance policy: A copy of your marine or marine cargo insurance policy. 
• Policy number: The unique identifier for your policy. 

Incident Details 

• Bill of lading: A document that serves as a contract of carriage for goods transported by sea. 
• Shipping documents: Any other shipping documents related to the shipment. 
• Inspection reports: Reports from surveyors or inspectors who examined the damage. 
• Photographs and videos: Visual evidence of the damage or loss. 

Financial Documentation 

• Invoices: Copies of invoices for the goods. 
• Customs declarations: Documentation related to customs clearance. 
• Repair estimates: Estimates from repair professionals for any damage. 
• Replacement costs: Estimates for replacing damaged or lost goods. 

Other Documents 

• Salvage reports: If any salvage operations were conducted. 
• Survey reports: Reports from marine surveyors assessing the damage or loss. 
• Expert opinions: Any expert reports or evaluations related to the claim. 

Note: The specific documents required may vary depending on the nature of the claim 

OTHER INFORMATION  

In addition to the specific documents mentioned for each type of claim, here are some general pieces of information that may be required: 

Contact Information 

• Your contact information: Your name, address, phone number, and email address. 
• Insurance company contact information: The name, address, and phone number of your insurance company. 

Claim Details 

• Date and time of the incident: When the incident occurred. 
• Location of the incident: Where the incident took place. 
• Description of the incident: A detailed explanation of what happened. 

Supporting Evidence 

• Witness statements: Statements from witnesses to the incident. 
• Correspondence: Any relevant correspondence with the other party involved in the incident. 
• Expert opinions: Any expert reports or evaluations related to the claim. 

CLAIM PROCEDURES  

The specific steps involved in filing an insurance claim can vary depending on the type of insurance and the insurance company. However, the general process typically includes the following: 

1. Report the Claim:

• Contact your insurance company: Notify your insurance provider as soon as possible after the incident. 
• Provide initial details: Give a brief overview of the incident, including the date, time, and location. 

2. Gather Documentation:

• Collect necessary documents: Gather all relevant documentation, such as police reports, medical bills, repair estimates, and photos. 
• Keep records: Maintain copies of all documents for your records. 

3. File the Claim:

• Complete claim forms: Fill out the required claim forms provided by your insurance company. 
• Submit documentation: Attach all supporting documents to the claim forms. 

4. Investigation:

• Insurance company investigation: Your insurance company may conduct an investigation to verify the details of the claim. 
• Provide additional information: Be prepared to provide any additional information or documentation requested by your insurance company. 

5. Claim Assessment:

• Review of claim: Your insurance company will review your claim and assess your eligibility for coverage. 
• Determination of benefits: If your claim is approved, the insurance company will determine the amount of coverage you are entitled to. 

6. Payment:

• Payment of benefits: Once the claim is approved, the insurance company will issue payment for the covered losses. 
• Direct payment to providers: In some cases, the insurance company may pay benefits directly to healthcare providers or repair shops. 

7. Appeal (if necessary):

• Disputed claims: If you disagree with the insurance company's decision, you may have the right to appeal the claim. 
• Follow appeal process: Follow the specific appeal procedures outlined in your insurance policy. 

Remember, these are general steps, and the exact process may vary depending on the specific circumstances of your claim 

BASIC INSURANCE CLAIM FLOWCHART