Claims

Accidents do happen and if you should be involved in one, the JNGI Mobile Claim Service, operated through our Jamaica Automobile Association (JAA) subsidiary, is ready to assist. All of our policyholders are entitled to this service, regardless of the type of motor policy you have. Just call 1-888-225-5522 or 878-2886 and one of our 24-hour Mobile Officers will come and take care of your needs. Before you do so, make sure you have the following details:

Policy Number • Registration Number • Vehicle Description • Date of Accident • Location of Accident

Notify us of a Claim

Catastrophe Claim

This Information must be completed in all respects and submitted within thirty (30) days of occurrence.

Submit a Claim

Making a Motor Claim

  • Stay calm
  • Call the Jamaica Automobile Association (JAA) at 1-888-225-5522 or 878-2886 and one of our 24-hour Mobile Officers will come and take care of your needs.
  • Call the Police and an ambulance if someone is injured.
While at the scene of the accident, collect the following information:
  • Write down the date, time and location of the accident.
  • Registration number of the other vehicle(s).
  • Name and contact number of the other driver(s)
  • Name and contact number of any witness (es). NB: Ideally they should not be your passengers
  • Damage(s) caused to the other vehicle(s) and your own vehicle.
  • Document the injuries, if any, caused to person(s) involved in the accident.
  • Where possible, take photographs of the damage(s) of the vehicles and/or property.
Report the accident using the Jamaica Automobile Association (JAA)
  • Call the Jamaica Automobile Association (JAA) at 1-888-225-5522 or 878-2886 and one of our 24-hour Mobile Officers will come to the scene of the accident within 40 minutes of being called and will take a report, including photographs..
  • The JAA will prepare the report and register same to JNGI on your behalf within 24 hours. They will also collect reports from witnesses and documents from any third party.
  • If you are unable to contact the JAA, we ask that as soon as possible, you do the following:
    • Complete and Submit a Motor Accident Report Form and report the accident to the JAA. You may also submit to your Broker or Agent and ensure that you state if it is for record purposes, claiming from your own policy or against third party’s policy.
    • Ensure that you obtain and submit a copy of the driver’s licence (both back and front) of the driver(s) involved in the accident.
  • If you are claiming from your own policy, you will be required to provide an Estimate of Repairs for damage to your vehicle. NB: We recommend that in choosing a repair facility you ensure that they are reputable and competent to repair your vehicle. We reserve the right to appoint an independent Assessor to validate the Estimate before we authorize repairs.
  • Upon receipt of your Estimate of Repairs, if you are comprehensively insured, your chosen garage will be authorised to repair your vehicle, or we may opt to pay cash. Rest assured that you will be kept informed on the progress of repairs.
  • If your auto repairer discovers additional damage when repairing your vehicle, they should simply provide a Supplemental Estimate. As soon as the additional work is validated we will authorize the garage to do this additional repairs.
Stay in Touch
  • If you are in receipt of any evidence or any information, witness statements, footage, photographs that can help the progress of your claim, please submit them as soon as possible.
  • We will keep you informed of the progress of the claim
  • If you wish to check on the status of your claim you may contact the JAA at 1-888-225-5522 or your assigned Claim Representative at JNGI.
NB:
  • Be sure to ask about Loss of Use which is any payment for alternative transportation while your vehicle is being repaired (a benefit if you are comprehensively insured).
  • If you have a Third Party policy, and you plan to make a claim from the other party involved in the accident, you will need to have your damage assessed. Submit that report to us and we will assist you with recovering your loss.

Motor Claims Process (Theft, Fire, Flood or Lightning)

  • Stay calm
  • Call the Jamaica Automobile Association (JAA) at 1-888-225-5522 or 878-2886 and one of our 24-hour Mobile Officers will come and take care of your needs.
  • Call the Police and an ambulance if someone is injured.
While at the scene of the accident, collect the following information:
  • Write down the date, time and location of the accident.
  • Name and contact number of any witness(es).
  • Damage caused to your vehicle.
  • Where possible, take photographs of the vehicle damage.
Report the accident using the Jamaica Automobile Association (JAA)
  • Call the Jamaica Automobile Association (JAA) at 1-888-225-5522 or 878-2886 and one of our 24-hour Mobile Officers will come to the scene of the accident within 40 minutes of being called and will take a report, including photographs..
  • If you are unable to contact the JAA, we ask that as soon as possible, you complete the Motor Vehicle Theft form and report the accident to the JAA, your Broker or Agent. Ensure that you state if it is for record purposes, claiming from your own policy or against third party’s policy.
  • Ensure that you submit a copy of the driver’s licence (both back and front) of the driver.
  • If comprehensively insured, you will be required to provide an Estimate of Repairs for damage to your vehicle. NB: We recommend that in choosing a repair facility you ensure that they are reputable and competent to repair your vehicle.
  • Submit all documents including reports from witness(es) to the JAA who will then register the claim to JNGI on your behalf within 24 hours.
  • Upon receipt of your Estimate of Repairs, your chosen garage will be authorised to repair your vehicle or we may opt to pay cash. Rest assured that you will be kept informed on the progress of repairs.
  • If after investigations, the vehicle is found to be totally destroyed or not recovered due to theft, you are required to submit the following documents:
    • Title of the vehicle
    • Original vehicle documents – registration and fitness
    • Certificate of Insurance or Cover Note (unexpired)
    • Discharge of Lien
    • Vehicle key
Report the accident using the Jamaica Automobile Association (JAA)
  • Call the Jamaica Automobile Association (JAA) at 1-888-225-5522 or 878-2886 and one of our 24-hour Mobile Officers will come to the scene of the accident within 40 minutes of being called and will take a report, including photographs..
  • If you are unable to contact the JAA, we ask that as soon as possible, you complete the Motor Vehicle Theft form and report the accident to the JAA, your Broker or Agent. Ensure that you state if it is for record purposes, claiming from your own policy or against third party’s policy.
  • Ensure that you submit a copy of the driver’s licence (both back and front) of the driver.
  • If comprehensively insured, you will be required to provide an Estimate of Repairs for damage to your vehicle. NB: We recommend that in choosing a repair facility you ensure that they are reputable and competent to repair your vehicle.
  • Submit all documents including reports from witness(es) to the JAA who will then register the claim to JNGI on your behalf within 24 hours.
  • Upon receipt of your Estimate of Repairs, your chosen garage will be authorised to repair your vehicle or we may opt to pay cash. Rest assured that you will be kept informed on the progress of repairs.
  • If after investigations, the vehicle is found to be totally destroyed or not recovered due to theft, you are required to submit the following documents:
    • Title of the vehicle
    • Original vehicle documents – registration and fitness
    • Certificate of Insurance or Cover Note (unexpired)
    • Discharge of Lien
    • Vehicle key

Motor Claims Process – Windscreen and Glass Only

While at the scene of the accident, collect the following information:
  • Stay Calm
  • Write down the date, time and location of the accident.
  • Damage caused to your vehicle and where possible, take photographs of the vehicle damage.
Report the damage to the Jamaica Automobile Association (JAA)
  • Call the Jamaica Automobile Association (JAA) at 1-888-225-5522 or 878-2886. If you are unable to contact the JAA, we ask that as soon as possible, you complete the Windscreen/Glass Claim Form and report the accident to the JAA, your Broker or Agent. Ensure that the damage is to the glass only. If damage is caused to other areas of the vehicle, this will be deemed as an accidental damage.
  • Ensure that you state if it is for record purposes or claiming from your own policy.
  • Ensure that you submit a copy of the driver’s licence (both back and front) of the driver.
  • If you are claiming from your own policy, you will be required to provide an Estimate of Repairs for damage to your vehicle. NB: We recommend that in choosing a repair facility you ensure that they are reputable and competent to repair your vehicle.
  • Select your Windscreen Repairer
  • Obtain an invoice for the repairs and submit your invoice to the JAA, your Broker or Agent.
  • If possible, take the vehicle to the JAA at 2 Central Road, Kingston 10 or to your Broker who will confirm your entitlement and authorize your repairer to fix the windscreen.
Stay in Touch
  • We will keep you informed of the progress of the claim
  • If you wish to check on the status of your claim you may contact the JAA at 1-888-225-5522 or your assigned Claim Representative at JNGI.
NB:
  • Most windshield repairs are completed within 24 hours after they have been authorized to do the work and when the job is done, the repair facility will return your vehicle to you and send us the bill – it’s that simple!
  • There is no deductible for windscreen repairs. You won’t have to pay anything unless the cost to repair or replace the windscreen is more than what the policy covers.
Payment of a windscreen claim does not affect any No Claim Discount to which you may be entitled so don’t be afraid to claim for your damaged windscreen.

Claims Process – Burglary, Housebreaking and Larceny

  • State the item(s) that have been damaged
  • Record the date, time and location of the accident.
  • Where possible, take photographs of the damage(s).
Report the damage to the JN General Insurance Company Limited
Stay in Touch
  • We will keep you informed of the progress of the claim
  • If you wish to check on the status of your claim you may contact us at 1-888-225-5636 or your assigned Claim Representative at JNGI.

TIPS AND FAQS

Should all accidents be reported to the police?

Yes, all incidents must be reported within 24 hours of occurrence to the Police within 24 hours. 

Should I report all accidents to my insurance company?

Whether you are at fault or not, all accidents must be reported to JNGI, your Broker or Agent as soon as possible whether or not you intend to make a claim. All motor vehicle accidents should be reported directly to the Jamaica Automobile Association (JAA) at 1-888-225-5522 or 878-2886

Should I admit liability or make any offer of or payment to any person?

You must not admit liability or make any offer of or payment to any person.

What documents should I submit?

All correspondence such as Claim Form, particulars of the Claim etc. in connection with the motor vehicle accident must be submitted IMMEDIATELY.

WHAT TO DO IN THE EVENT OF AN ACCIDENT

1
Once you are in an accident, you should report it to us immediately. Whenever and wherever the accident occurs, a Jamaica Automobile Accident (JAA) Response Team is ready to assist, 24/7, regardless of the type of motor policy you have. Simply call 1-888-CALLJAA (1-888-225-5522) and a highly trained JAA Response Team will be dispatched to assist you
2

The JAA Response Team will:

  • Gather all relevant information, take photographs of the accident scene
  • Ensure that you and your property are kept safe until the Police arrives or until the scene is processed and you are taken to a destination of your choice.
  • Arrange for ambulance, towing or other services that you may need. You may be required to pay for these services depending on the type of policy you have. If you are not able to call the JAA for assistance immediately after the accident has occurred, you can do so any time thereafter and make arrangements for them to meet with you at a convenient time and place to assist with completing your accident report. Follow these quick tips if you are in an accident:
  • Stay calm and stay in control of the situation.
  • If tempers flare, keep a normal demeanour.
  • Make sure that all parties are OK.
3
Capture The Scene •Take up to 5 photos and upload same via JNGI Online (insert link) and notify JNGI and JAA of the claim. The sooner JNGI knows about the accident, the sooner the claim process can commence. •We encourage you to report all accidents to the Police.
4
WHERE INJURIES ARE PRESENT • Where applicable, call the appropriate emergency number. • Do not admit fault and do not discuss the accident with anyone other than the police and your claims representative. • Call the Police and Ambulance at 119 or 110
5
Exchange Vital Information with other parties involved • Please ensure that you exchange vital information with the other party or parties involved in the accident o Name, address and telephone numbers o Vehicle licence number for all drivers involved in the accident o Driver’s Licence and expiry date o Vehicle Registration information (including expiry date) o Vehicle Fitness information (including expiry date) o Insurance information (company, policy number and expiry date) • Write down the name, address, phone number of witness(es), particularly those who were not in your vehicle at the time of the accident.

Claims Frequently Asked Questions

If in an accident and I am not at fault, how is recovery from the other party handled and what is the turn-around time to recover?

Ans. JNGI will submit your claim to the other company/ party within seven (7) days of receiving all the required documents, but recovery from another company is not directly within JNGI’s control and may be affected by a number of issues, for example, the Third Party may not accept liability. As a result we can’t provide a definite timeframe for recovery but we can assure you that we will do our best to recover on your behalf.

What is an excess?

(a)If I am not at fault in the accident how is the excess treated?

Ans. Comprehensive policies, generally, do not cover a full settlement. There is an excess or deductible which you are required to stand; this excess or deductible is a specified percentage of your Sum Insured or Pre Accident Value. If you are not fault in the accident, your excess or deductible is recoverable from the liable insurer or third party.

How is the excess calculated?

Ans. For total losses, JNGI calculates the excess or deductible on the Pre-Accident Value of the vehicle or the Sum Insured under the policy, whichever is less. For cash settlements, the excess or deductible in the insurance contract is a percentage of Sum Insured at the time of insuring the vehicle.

Do I need to report the accident to the police, even if I am not at fault?

1. Is a police report required when submitting my claim?  

2. Will JNGI cover the cost for the police report?

Ans. If you are making a claim you must prove your loss.  If you are claiming from another company, a Police Report is sometimes required as proof to the other company that an accident occurred with their insured. We do not ask you to get a Police Report unless it is absolutely necessary because you will not be able to recover this cost if the other insurance company does not need the Police Report.

Will JNGI file suit on my behalf?

Ans. JNGI will file suit in cases where JNGI has made claim payments to you, under your insurance contract and it is economical to recover.   Where JNGI files suit, if you have any uninsured loss that you wish to recover, JNGI would include these in the suit for you.

Am I required to submit a Repair Estimate?

Will I be reimbursed for the cost of the estimate?

Ans.  You are required to prove your claim and an Estimate of Repairs is proof of the damage to your vehicle and the cost of repairs. Unless your vehicle is a total loss, the cost of the estimate is generally absorbed by the Garage or Repairer who prepares your estimate if you choose them to do the repairs.

I have a loan on my motor vehicle, who will the claim be paid to?

Ans. The contract that JNGI has with the Mortgagee and agreed to by you requires that all payments under the policy are to be made to the mortgagee unless in cases where a garage is authorized by us to repair your vehicle, in those instances, the payment is made to the garage after repairs are done to your satisfaction.

At the time of reimbursement, will GCT be included in the payment?

Ans. You cannot be paid GCT unless you have actually incurred it. Once you can prove that you have incurred GCT, JNGI will reimburse your GCT expenses.

Will JNGI cover the storage cost ?

Ans. Storage cost is not covered under the terms of your policy.

If I am not at fault, will my no claim discount be affected?

Ans. Generally, if a claim is made against your policy, your No Claim Discount will be affected.  It is a ‘No Claim’ Discount and not a ‘No Blame’ Discount. Your No Claim Discount however will be reinstated if recovery is successful. JNGI also has Motor policies that offer an Accident Forgiveness benefit which would cause your No Claim Discount to remain unaffected even if you have had an accident; this is subject to conditions of the specific policy.