CLAIMS
Need to file a claim? In the event of loss or damage that requires a claim under your policy, please notify your agent immediately by phone at 786-363-0500.
Your days are busy even when everything goes to plan. Finding time to manage claims can be an added burden. We understand. That’s why the experts at Magaya Insurance Services will support you in expediting your claims and getting you back to business as quickly as possible.
For all claims, please notify your agent immediately by phone at 786-363-05000. For more details on the steps involved and the recommended documentation for specific types of claims, please click on the table of contents or scroll below.
What to do in the Event of a Cargo Claim
1. Survey Damage
For cargo claims, a survey of the damage must be conducted. Invite the carrier’s representative to attend the survey. If loss or damage is apparent after the goods have landed on the docks, have the survey held there without delay. Preserve containers or other shipping packages and their contents in condition received until survey is held, unless further damage would result.
2. Take Notes
Do not give a clean receipt if goods are received in a doubtful or damaged condition. For containers, examine the container and its seals immediately before taking delivery.
If the container is delivered with seals broken or missing or with seals other than as stated in the shipping documents, note it the delivery receipt accordingly and retain all defective or irregular seals for subsequent identification.
3. File Claim
Promptly file the claim in writing against the delivering carrier holding them responsible as soon as loss or damage is discovered. Even though the full extent of the damage may not yet be determined; details can be furnished later.
Collect supporting documents to substantiate your insurance claim such as the Certificate of Insurance, the survey report, commercial invoices, packing lists, etc.
Your cargo insurance policy is saved in your Magaya system in the shipment. Go to the Attachments tab in the Shipment screen to access the document.
Sample letters are available in your Cargo Insurance User Manual.
Click here to view supporting documentation for cargo claims.
All transit supporting documentation to be remitted for investigation of loss (scanned copies are acceptable):
All Original Commercial Invoice(s) and Packing List(s) (Identifies parties to the contact, provides the terms of sale between the seller and buyer, provides description and value of the goods.)
Original Ocean Bill of Lading or Truckers Pro Waybill (FRONT and BACK of document)
Copies of all Claim Notice (s) made against the Transportation Carrier(s) and replies thereto
Copy of Delivery Receipt(s) (with noted exceptions)
Formal Detailed Statement of Claim
Loading and Unloading (stuffing / unstuffing tally reports)
Colored Photographs (proof of the condition of actual product at final destination arrival)
Proof of Destruction Certificate and Disposal Invoice(s)
Proof of Salvage or Scrap documentation
Proof of Repair / Replacement Invoices
Notwithstanding the above documentation, the insurer reserves the right to request additional documentation to substantiate your claim.
When goods are lost or damaged while in the carrier(s) custody then all carrier(s) should be advised immediately, but no later than the following in to protect Subrogation Rights.
Ocean: In writing; within 3 days after discharge
Air: In writing; within 7-14 days after transit
Road Transport: Domestic in writing, within 60 days after delivery of goods
(within Canada)
From or in U.S. claim must be filed in writing within 7 days(for physical damage)-
14 days (for concealed damage) after delivery with the originating or delivering carrier or delivery carrier
Rail Road Carrier: In writing, within 10 days after delivery to the originating
carrier or delivering carrier.
In writing, within 4 months after delivery in Canada to originating carrier or delivering carrier
Freight Forwarder: In writing, within 3 days after discharge
What to do in the Event of an Automotive Claim
First, ensure all the people involved in the accident are okay, and call the police.
Exchange insurance information with other parties.
Take photographs of the damage, especially if the vehicles must be moved from travel lanes before the police arrive.
Contact your insurance agent as soon as possible to file the claim. Do not discuss the accident or fault at the accident.
What to do in the Event of a Property Loss Claim
First, ensure the safety of anyone involved.
Assess the damage safely to describe it to your agent. This will also help when determining what type of restoration services might be needed, such as water removal in the event of flooding.
Protect the property from further damage and preserve any evidence.
You will need access to your records that document the value of the property.
Your insurance agent will discuss the claim procedures with you and facilitate the process.
What to do in the Event of a General Liability Claim
Contact emergency personnel as needed and your agent as soon as possible.
Your agent can provide you with an accident investigation form where you can list the names of the injured, if any, and any witnesses.
Gather any related documents, certificates, and policy information. Be sure to have a copy of any police reports or legal documents, accident report, photographs of damage, etc.
This is a general list to help you in case of a need to file a claim. Please contact your agent to ensure your claim is handled properly.
Your claim is very important to us. Be assured, we will review and address all aspects of your policy to ensure your claim is filed properly.
Protect your freight forwarding business.
See how Magaya Insurance Services can help.