1. On-the-Spot Checklist
- Stop & Stay Calm: Immediately stop your vehicle on the spot first , mark the vehicles position, then move in a safe location away from traffic, if possible. Stay calm to think clearly.
- Check on All Parties: Assess if anyone is injured. Provide first aid if you are trained, but do not move anyone who is seriously hurt. Call for an ambulance if needed.
- Contact the Police (If not using ASOF Form): In Mauritius, it is a legal requirement to call the police to report the accident, even if there are no injuries.
- Gather Information: Collect names, addresses, phone numbers, and insurance details from all drivers involved. Note down witness contact details.
- Never Admit Guilt: Do not apologize or make any statements that could be interpreted as admitting fault. Stick to the facts when talking to others and the police.
Using the "Agreed Statement of Facts (ASOF)" Form
You can use this form in the following situations:
- Only two vehicles are involved in the accident.
- Both drivers agree on the circumstances and facts of the accident.
- No one has suffered any bodily injury, whether serious or slight.
- There is no damage to any structure or government property other than the vehicles themselves (e.g., traffic signs, guardrails, walls, government vehicles).
- Neither driver is suspected of being under the influence of alcohol or drugs.
- Both vehicles have a valid insurance vignette and both drivers hold a valid driving license.
⚠️ If any of these conditions are not met, the accident must be police assisted.
2. Filing Your Insurance Claim
Once you are safe, follow these steps to file your claim with confidence:
- Notify Your Insurer: Call your insurance company immediately or as soon as practicable to inform them of the accident.
- Complete Claim Forms: Fill out the required claim forms accurately and honestly. Provide all necessary supporting documents promptly.
- Submit Evidence: Provide your insurer with all the evidence you gathered, including photos, the police report number, and any witness information.
- Await Assessment: An insurance assessor will inspect the damage to your vehicle to evaluate the cost of repairs and process your claim.
3. Common Mistakes to Avoid
Be aware of these pitfalls to ensure a smooth claim process:
Not reporting to police
Failing to get a police report (if not using ASOF) can invalidate your insurance claim.
Delaying notification
Most policies have a time limit (maximum of 5 days) for reporting an accident. Don't wait.
Failing to collect evidence
Lack of photos, accident report, circumstances it happened or witness details weakens your claim.
Frequently Asked Questions
Do I need a police report for my insurance claim?
Yes. Virtually all insurers in Mauritius require an official police report (if not using the ASOF form) to process a motor vehicle accident claim. It's a mandatory document.
Can I settle the accident privately?
No. You can't settle on private terms for damages, it is legally mandatory to report the accident to your insurance company and/or the police. Skipping this step can lead to legal issues.
How long do I have to file a claim?
This depends on your insurance policy, but most companies require you to notify them within 5 days of the accident. Check your policy documents for the exact timeframe.