Claims Process Explained: A Step-by-Step Guide
Filing and processing insurance claims for your commercial vehicles doesn't have to be complicated. At Smartguard, we've streamlined the process to ensure efficiency and peace of mind for our clients. Follow this guide to navigate your claim with ease.
1. Report the Incident
As soon as an incident occurs, contact our 24/7 claims hotline. Quick reporting is crucial for commercial cargo car insurance claims.
2. Provide Essential Information
Be prepared to share details such as:
- Your policy number
- Date, time, and location of the incident
- Description of what happened
- Information about other parties involved (if applicable)
3. Document the Damage
Take clear photos of any damage to your commercial vehicle and cargo. This visual evidence will support your claim.
4. Claims Adjuster Assessment
A Smartguard claims adjuster will review your case and may inspect the vehicle in person. They'll assess the damage and determine coverage based on your commercial car insurance policy.
5. Repair Process
Once approved, you can proceed with repairs. We work with a network of trusted repair shops across Canada to ensure quality work for your commercial vehicle.
6. Settlement and Resolution
After repairs are complete, we'll process the payment directly to the repair shop or reimburse you if you've paid out of pocket.
Pro Tip for Commercial Vehicle Owners
Keep a claims kit in each of your commercial vehicles. Include a copy of your insurance policy, a camera or smartphone for photos, and our claims hotline number for quick access when you need it most.
At Smartguard, we understand the unique needs of commercial vehicle insurance. Our efficient claims process is designed to get your business back on the road as quickly as possible. Remember, our Canadian-based team is always here to guide you through each step of your claim.