They make it easy to make a claim with AAMI car insurance, so you can get the help you need if something goes wrong on the road. No matter how big or small the accident, making your claim the right way can save you time and stress. This article will show you how to make a claim with AAMI, from first contact to final payment.
How your AAMI car insurance works
It’s important that you fully understand your AAMI car insurance policy before you consider making a claim. AAMI offers different types of cover, such as total damage, third party property damage and third party fire and theft. Different types of policy have different benefits and limitations, so it’s important to know what your policy covers to stay on track.
When looking at your insurance, pay close attention to the ‘excess’. This is the part of the claim that you have to pay yourself. Knowing this in advance will help you figure out how to pay your bills and what your claim will cover.
How to Apply for AAMI Car Insurance
When applying for insurance, start by gathering all the information you need. This includes information about what happened, who was involved, and any evidence to support your claim. If you are involved in a car accident, you will need to provide proof of insurance from the other driver (if they have insurance), eyewitness statements, and photos of the damage to your car. Also, make a note of the time, date, and location of the accident.
Once you have all the information you need, you will need to call AAMI. There are a number of ways to apply for cover: by phone, on their website, or through the AAMI app. Choose what works best for you.
Apply for cover online or through the AAMI app
One of the great things about AAMI is that they offer an easy-to-use online claims service that you can use from the comfort of your own home. This can save you time if you have access to the internet and prefer to do things online.
To get started, go to the AAMI website or open the AAMI app. Log in with your account details, or create an account if you don’t have one. Once there, go to the claims section and fill out the form. This form will ask for your insurance number, accident information and any supporting evidence such as photos or documents.
You should be as thorough as possible when filling out your online claim form. The more information you provide, the smoother the process will be. After you submit the form, AAMI will send you a confirmation message to let you know that they have received it.
Making a claim over the phone
If you would rather talk to someone or need help with the process, you can choose to call the AAMI claims phone number. The number is on their website and customer service is available 24 hours a day, 7 days a week. When you call, make sure you provide the same information that you submitted online, such as information about your policy, the accident and any supporting evidence that you have.
AAMI staff will help you process your claim, answer your questions and make sure you know what to do next. They can also tell you what to do next, such as having your car checked or taking it to an authorised repair shop.
What happens after you file a claim?
Once a claim is filed with AAMI, the insurance company will begin processing it. The time it takes to process a claim depends on the type of insurance you have and the severity of the accident. If the claim is simple, a decision on your claim can be made within a few days. However, if the claim requires more investigation or evaluation, it may take longer.
In some cases, AAMI may send an inspector to inspect the damage to your car. Of course, they may also ask for more details, such as police records or more evidence. If you have a dispute with the other driver or are unsure who is at fault, the process may take longer as AAMI gathers all the facts.
Get a response to your claim
Once AAMI has reviewed all the relevant information, you will receive a decision on your claim. If your claim is accepted, AAMI will pay to repair the car, refund you or give you money, depending on the terms of your policy. If your claim is rejected by AAMI, they will tell you why. This could be due to reasons such as insurance limits, insufficient evidence or failure to comply with insurance conditions.
What to do if your claim is rejected
If your claim is rejected, you can appeal the decision. AAMI has a review method where you can provide more evidence or request a review of the selection
Here’s what will happen if your claim is accepted
Once your claim is accepted, AAMI will either repair or pay according to your policy. If you are eligible to have your car repaired, you will usually be asked to take it to an approved repair shop. Depending on your level of cover, AAMI may pay for all repairs or deduct the excess amount.
If AAMI determines that your car is a total loss, they will calculate the market value of the car and reimburse you based on that amount. Additionally, depending on the terms of your policy, you may be able to use the money to purchase a new car.
Final Thoughts
Making a claim with AAMI car insurance is usually straightforward, as long as you have all the necessary information and act appropriately. By understanding your policy, providing the correct information, and staying in touch with the AAMI claims team, you can ensure that your claim is processed as quickly as possible.
If you need to make a claim due to an accident or other incident, take a deep breath and follow these steps. Knowing what to expect and how to prepare will help you feel confident in the process.
