{"id":23,"date":"2026-02-13T19:33:47","date_gmt":"2026-02-13T19:33:47","guid":{"rendered":"https:\/\/pfrs.co.zm\/?page_id=23"},"modified":"2026-02-17T11:24:07","modified_gmt":"2026-02-17T11:24:07","slug":"frequently-asked-questions","status":"publish","type":"page","link":"https:\/\/pfrs.co.zm\/?page_id=23","title":{"rendered":"Frequently Asked Questions"},"content":{"rendered":"
What documentation do I require to insure my vehicle?<\/div>

You will require the white book, an ID and current inspection pictures of the vehicle.<\/p>\n<\/div><\/div>

What documents are required when making a motor vehicle claim?<\/div>

Claims are handled on a case by case basis and documentation may vary however, some of the basic requirements are:<\/p>\n

    \n
  1. Completion of the claim form<\/li>\n
  2. Police Report<\/li>\n
  3. Copy of White book for the Insured<\/li>\n
  4. Copy of Insurance for the Insured<\/li>\n
  5. Driver\u2019s license for the Insured<\/li>\n
  6. 3 quotations from any reputable repairer<\/li>\n
  7. Availing vehicle for Inspection<\/li>\n<\/ol>\n<\/div><\/div>
    What is covered under bodily injury liability coverage in motor insurance?<\/div>

    This cover age does not protect you or your car directly. If you cause an accident injuring other people, it protects you against their claims up to the stated amounts for medical expenses, lost wages, pain and suffer ing and other losses. It will also usually pay if the accident was caused by a member of your family living with you or a per son using your own auto with your consent. It does not pay for bodily injury you may sustain<\/p>\n<\/div><\/div>

    What is covered under property damage liability coverage in motor insurance?<\/div>

    Property damage liability cover age pays for any damage to the proper ty of other s up to the stated amount provided by the policy (i.e., a crushed fender , broken glass, or a damaged wall or fence). Your insurance will pay for this damage if you were driving your auto or if it was being driven by another per son with your consent. Proper ty damage liability also pays if you damage government proper ty like a light pole or signpost, up to the limit you choose<\/p>\n<\/div><\/div>

    What is excess and when does it apply?<\/div>

    This is the amount that is deducted from each and every claim and born by the insured. The excess will eliminate all claims equal to or less than the excess. The excess may be compulsory or voluntary in which instance the insured\u2019s premium is discounted.<\/p>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-23","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/pfrs.co.zm\/index.php?rest_route=\/wp\/v2\/pages\/23","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pfrs.co.zm\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/pfrs.co.zm\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/pfrs.co.zm\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/pfrs.co.zm\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=23"}],"version-history":[{"count":2,"href":"https:\/\/pfrs.co.zm\/index.php?rest_route=\/wp\/v2\/pages\/23\/revisions"}],"predecessor-version":[{"id":162,"href":"https:\/\/pfrs.co.zm\/index.php?rest_route=\/wp\/v2\/pages\/23\/revisions\/162"}],"wp:attachment":[{"href":"https:\/\/pfrs.co.zm\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=23"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}