We recognise that accidents are stressful; more so when there are injuries involved. At One Stop 2U, we are committed to getting you back on your feet - financially at least, as soon as possible. This is why we place importance in processing your claims in a quick and efficient manner.
1. Public Liability/Comprehensive General Liability
Claims Procedures
Upon receipt of a claim or possible claim from the third party, to notify One Stop 2U with the following basic information:
Description and extent of loss/injury suffered by third party
Date of loss/accident
Location
Any demand made by third party either verbal or written
Details of policy involved
Insured shall not in any circumstances admit the claim, make an offer, promise or payment to a third party without prior written consent from Insurer.
Claim from third party
Insured must immediately forward to Insurer any letter of demand or legal proceedings received from the third party.
Acknowledge receipt of the letter of demand and advise the third party's solicitors that Insurer has been notified and will be investigating the loss on a without prejudice basis.
If legal action is brought against Insured, Insurer will appoint solicitors to defend the insured pending determination of policy liability to protect insurer's interests. If investigations disclose that there is no policy liability, insured will take over conduct of the defence from insurer.
In any circumstances, the Insured shall not admit liability or enter into any negotiation with the third party or their solicitors without insurer's written consent.
Documents Required
Property damage
Completed Claim Form
Photographs depicting damage
Written statements from witnesses to the incident, if available
Copy of Police Report, if any
Investigation/Incident Report
A sketch of the area where the incident occurred
Estimate of claim
Letter of claim from third party
Bodily Injury
Completed Claim Form
Detailed account of how, where and when the incident happened
Written statements from witnesses to the incident, if available
Photographs of injury sustained and area where the incident occurred
Copy of Police Report, if any
Investigation/Incident Report
Medical report/Specialist report
Medical bills from the third party
Indicate whether there were any warning signs or reasonable precautions taken to prevent the incident
A sketch of the area where the incident occurred
Estimate of claim
2. Product Liability
Claims Procedures
Upon receipt of a claim or possible claim from a third party, to notify One Stop 2U with the following basic information:
Description and extent of loss/injury suffered by third party
Date of loss/accident
Location
Any demand made by third party either verbal or written
Details of policy involved
Insured shall not in any circumstances admit the claim, make an offer, promise or payment to a third party without prior written consent from Insurer.
Claim from third party
Insured must immediately forward to Insurer any letter of demand or legal proceedings received from the third party.
Acknowledge receipt of the letter of demand and advise the third party's solicitors that Insurer has been notified and will be investigating the loss on a without prejudice basis.
If legal action is brought against Insured, Insurer will appoint solicitors to defend the insured pending determination of policy liability to protect insurer's interests. If investigations disclose that there is no policy liability, insured will take over conduct of the defence from insurer.
In any circumstances, the Insured shall not admit liability or enter into any negotiation with the third party or their solicitors without insurer's written consent.
Documents Checklist
Completed Claim Form
Photographs depicting damage
Written statements from witnesses
Copy of Police Report, if any
Investigation/Incident Report
Estimate of loss
Letter of claim/demand from third party
Detailed account of how, where and when the loss was discovered
3. Employer's Liability
Claims Procedures
Upon receipt of a claim or possible claim from an employee, to notify One Stop 2U with the following basic information:
Description and extent of loss/injury suffered by employee
Date of loss/accident
Location
Any demand made by employee either verbal or written
Details of policy involved
Insured shall not in any circumstances admit the claim, make an offer, promise or payment to an employee without prior written consent from Insurer.
Documents Checklist
Completed Claim Form
Detailed account of how, where and when the incident happened
Written statements from witnesses
Photographs of the injury sustained
Indicate whether SOCSO claim has been submitted and the details
Copy of Police Report, if any
Investigation/Incident Report
Medical report/Specialist report
Medical bills of the injured employee
Letter of confirmation of employment and designation of employee
Indicate whether there were any safety precautions taken to prevent the incident
A sketch of the area where the incident occurred
Estimate of claim
4. Workmen's Compensation
Claims Procedures
Upon receipt of a claim from an employee, to notify One Stop 2U enclosing the following documents:
Documents Checklist
Completed Claim Form (a clear description of how accident happened must be stated)
Medical Certificate Form completed by the attending doctor
Original Medical Sick Leave Certificates
Copy of Medical Report
Copy of Police Report, if any
Salary voucher 6 months prior to accident
Original medical receipts
Photographs of injury sustained, if available
Letter from Insured that injured worker is under their employment
Insured shall not in any circumstances admit the claim, make an offer, promise or payment to an employee without prior written consent from Insurer.
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