A vehicle damage report is used to assess necessary repair work and justify insurance claims.
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A motor vehicle damage report is used by drivers and fleet managers to assess necessary repair work and justify insurance claims. The report documents the vehicles and persons involved, details of the accident and the extent of the damage.
A motor vehicle accident must not only be reported to the police if people have been injured. A damage report should also be submitted immediately to the respective insurance company. Failure to report a motor vehicle accident within the prescribed period can reduce the expected benefits or they may not be paid at all.
In the following situations, anyone wishing to receive benefits from an insurance company is obliged to report a car accident to the respective insurance company:
According to the General Terms and Conditions for Motor Vehicle Insurance (AKB) 2015 of the German Insurance Association (General Association of the German Insurance Industry), a motor vehicle damage report must be received by the insurance company within one week of the damage event. However, the insurers may set their deadlines. Therefore, insured persons are always well advised to report the damage immediately after it has occurred.
The reporting period only obligatory, i.e. the insurer cannot legally force its insured persons to meet the conditions, such as when paying the agreed premiums. However, a motor vehicle damage report that is not submitted on time can mean that an insurance company cannot pay for the entire damage. The complete refusal of benefits is rather seldom since it is not assumed that the insurance company has deliberately waived the timely notification of the claim.
In addition to gathering general information on time, location, vehicle and parties involved, a good car accident report sample should include factual details of the accident and the extent of the damage in the form.
Filling out a damage report for a motor vehicle on paper is time-consuming and tedious for fleet managers. Besides, there is the risk of paper loss, which can endanger insurance claims. However, the biggest hurdle is that it is not possible to capture and combine photo files and sketches easily. This makes it more difficult to identify the extent of a loss.
A digital solution like Lumiform replaces the paper-based vehicle damage report with the use of a mobile app. Lumiform is easy to use, allows you to capture unlimited photo files and write a car damage report in real-time at the scene of the accident.
Lumiform makes it easier to comply with damage control requirements by documenting everything via the mobile app using a smartphone or tablet. The system guides the person taking the minutes through all documentation steps. Clean, transparent documentation helps to maintain complete services and meet deadlines.
The digital solution offers many more advantages, which are helpful for the car damage report with form:
To make it easier to get started, we have created templates for vehicle damage reports that can be downloaded free of charge. All forms are 100% adaptable to the insurer's specifications - no programming knowledge required.