FILING A MOTOR CLAIM

NECESSARY STEPS TAKEN IN THE EVENT OF AN ACCIDENTAL COLLISION:

1. Contact the Police (Royal Virgin Islands Police Force) – whether it is a single vehicle accident or multiple vehicles and a statement given
2. Contact your Agent or Premier Insurance Limited (PIL) as applicable
3. If another vehicle(s) was involved, get information from the vehicle driver/owner, their name and contact number, make, model and license plate number, insurance details
4. If anyone was injured, call 911 for ambulance and try to obtain a name of the injured person and the nature and extent of the injury
5. Take pictures of the scene and damage to the vehicle(s), note time and location
6. Take name(s) and information of witnesses
7. You should never admit liability on the site of the accident. This is usually indicated by the Police
8. In the case of Hit and Run, be sure to contact the Police so a record is made and a statement given
9. In the case of a stolen or burnt vehicle, be sure to contact the Police/or Fire Department

FILING A CLAIM: (AS THE INSURED)

1. Notify your Agent orPremier Insurance Limited (PIL) as soon as possible and within 24-48 hours of the accident
2. Bear in mind, your Deductible will be applicable (for Comprehensive insurance policies only)
3. Complete Claim form, (signed by the Insured and Driver)
4. Detailed Driver’s statement (copy of statement given to the Police is also acceptable)
5. Copy of current BVI Driver’s Licence
6. Copy of Foreign Drivers Licence (if applicable) – note that drivers holding an overseas Driver’s license are only allowed to drive within the BVI for up to 1 month after their date of entry. If working in the BVI, the driver must obtain a BVI Driver’s License
7. Copy of Rental Contract/Agreement (applicable for Rental vehicles)
8. Police Report (whenever liability is in dispute, in the event of a one vehicle accident, hit and run, stolen or burnt vehicle or when the accident involves injuries, a Police Report is mandatory)
9. Two (2) repair estimates (applicable to comprehensive insurance policies where the Insured can claim for damages to vehicle under their policy)
10. Inspection of vehicle will be required (must be done by PIL’s Claim representative before commencement of repairs)

FILING A CLAIM: (AS THE THIRD PARTY CLAIMANT)

1. Complete Claim form (signed by the Owner and Driver)
2. Detailed Driver’s statement (copy of statement given to the Police is also acceptable)
3. Copy of current BVI Driver’s Licence or Foreign Driver’s License
4. Proof of ownership (vehicle transfer form or last insurance certificate)
5. Police Report (whenever liability is in dispute, hit and run or when the accident involves injuries, a Police Report is mandatory)
6. Two (2) repair estimates
7. Inspection of vehicle will be required (must be done by Premier Insurance Ltd’s Claim representative before any commencement of repairs)