Need to Submit a Claim? We’re Here to Help.
Frequently Asked Questions
How do I submit a claim?
You can submit a claim by Contacting our Claims Department, visiting any RF&G office, or downloading and completing the relevant claim form from our website. Be sure to provide all required supporting documents to help us process your claim efficiently.
How long does a claim take to process?
Claim processing times vary depending on the type and complexity of the claim, as well as how quickly all required documents are submitted. Our team works to process claims as efficiently as possible while ensuring a fair and thorough assessment. Once all required documentation has been properly submitted, the claims process typically takes 5–7 working days.
How soon should I report a claim?
We recommend reporting your claim as soon as possible after the incident occurs. Prompt reporting helps us assess the situation faster and avoid delays in processing.
What documents do I need to submit a claim?
Required documents may vary depending on the type of claim, but commonly include:
- Completed claim form
- Valid ID
- Policy number
- Photos of damages
- Police report (if applicable)
- Repair estimates or invoices
- Any supporting documents related to the loss
Will I be updated on the status of my claim?
Yes. Our Claims Team will keep you informed throughout the claims process and may contact you if additional information is needed.
What should I do immediately after a vehicle accident?
- Stay calm and check for injuries
- Call emergency services if necessary
- Take photos of the scene and damages
- Exchange information with other parties involved
- Report the incident to the Police (if required)
- Contact RF&G as soon as possible.
Should I move my vehicle after an accident?
Only if it is safe to do so or if instructed by authorities. Before moving the vehicle, take clear photos of:
- The accident scene
- All vehicles involved
- Visible damages
- Road conditions
Should I admit fault at the scene?
No. Avoid admitting fault or accepting blame at the scene. Liability is determined during the claims investigation based on the available evidence.
What if the accident involves a third party?
Collect the third party’s:
- Full name
- Phone number
- Driver’s license details
- Insurance information
- Vehicle license plate number
Then report the incident to RF&G immediately.
What should I do if my property is damaged?
First, ensure everyone is safe. Then:
- Take photos of the damage
- Protect the property from further damage if possible
- Keep damaged items if safe to do so
- Contact RF&G immediately
Can I start repairs before inspection?
Only emergency repairs to prevent further loss should be done before inspection. Please keep all receipts and photographic evidence.
Should I keep damaged items?
Yes, whenever possible. Damaged items may be needed during assessment or verification.
