Insurance companies do pay claims and you need to get a broker to explain all the fine print to you.

However IGI does not pay claims and they are like a large ministry. The company is messed up when it comes to paying claims. The place is run like a family business. I have fought them to a standstill in the past

In the event of an accident;

Thank God for your life
get the car to the garage and do not attempt to effect repairs without taking pictures
Report in writing to the insurance company or the agent
Take pictures including the plate number of the vehicle and ensure dent or breakage is clear.
Fill the insurance claims form and submit to the insurance coy ensure you get an acknoledgement copy
if they do not send the engineers to inspect the car in 3 to 4 days write them and tell them you will commence repairs in the light of their apathy
After the inspection, let them negotiate directly with your garage
They will give you a go ahead to commence repairs
Hopefull you will get paid within one month



Re: Nigerian Auto Insurers: Do They Ever
In addition to this i think you also need to read the policy document given to you to familiarize yourself with the wordings of the policy. There is a serious need for a public enlightenment to educate the insuring public about the policies they buy and the terms and conditions. My e-mail is oluwalegeorge@yahoo.com.Send me a mail if you have any issues concerning insurance and let me give you professional guidance.. It is free of charge please.