Q: What is First Response?
A: First Response is the only program of its kind in The Bahamas that provides on-location service and support from the moment of a motor vehicle accident through the claim and repair process. First Response operates as an independent company under Bahamas First Holdings Limited, contracted to provide on location accident assistance and support to facilitate a speedier claims process for clients whose vehicles are insured through an authorized agent on behalf of Bahamas First General Insurance Company.

Q: Who can use First Response?
A: First Response is offered exclusively to clients whose vehicle insurance is provided by Bahamas First General Insurance through an authorized agent.

Q: Does it cost anything to use First Response?
A: No. The program is offered at no additional charge or increase in premium.

Q: Where is First Response available?
A: First Response service is available only in New Providence.

Q: Are there plans to extend the service to other areas of The Bahamas?
A: There are no immediate plans to extend the service beyond New Providence.

Q: If I’m involved in an accident in the coverage area, what should I do?
A: You need to call 32F-IRST immediately and a trained response team will be sent to help you.

Q: What if I live in New Providence but I am in an accident elsewhere?
A: The determining factor is where the accident occurs, not where the insured driver(s) reside. If you are involved in a mishap outside the First Response service area you must notify police, exchange information with the other party(ies), and contact your agent.

Q: Can I purchase the First Response service if I am not insured through a Bahamas First authorized agent?
A: No. First Response is an exclusive service for clients whose vehicles are insured by Bahamas First through an authorized agent.

Q: What are the hours of operation?
A: The First Response service is available from 8:00am until midnight, seven days a week, 365 days a year.

Q: What should I do if I am in an accident between midnight and 8 a.m.?
A: You should follow normal procedures and advise the police immediately. You should then contact First Response at 32-FIRST at 8 a.m. that same day to report the accident.

Q: What happens when the First Response van arrives?
A: When the van arrives, the First Response team will:
  • Notify police if they are not already on scene;
  • Call an ambulance if required;
  • Check on the safety of all persons involved and secure all valuables in the insured vehicle(s);
  • Facilitate the exchange of driver and insurance information;
  • Obtain basic information relating to the accident;
  • Photograph the scene and examine the vehicles;
  • Initiate your insurance claim and prepare a repair estimate;
  • Call a wrecker to take your vehicle to an approved shop, where repairs can begin immediately;
  • Assistance with transportation to a secure destination of choice (usually home).

Q: I don’t carry a mobile phone. How can I call First Response?
A: Under no circumstance should you leave the scene of the accident to look for a phone. Ask the other driver(s) or witnesses if they have a phone you may borrow, use a pay phone or wait for police to arrive.

Q: Should I call if the damage is minor and/or there are no injuries?
A: Yes. Even if the damage may appear trivial, it could be more serious than you think. Similarly, you may think you haven’t been hurt but often the shock that accompanies an accident temporarily masks the pain. If a collision has occurred, it’s best to call First Response and let the response team determine the best course of action – even if it means a trip to the hospital to be checked out.

Q: Are there any circumstances when I shouldn’t call First Response?
A: If your vehicle has engine trouble or a flat tire, or you witness and accident but are not involved, you should not call First Response.

Q: What should I do while I wait for First Response to arrive?
A: Try to remain calm. Provide whatever aid you can and secure your valuables as much as possible. Do not admit liability or make an offer of payment to any person at the scene.

Q: How long will it take for the First Response team to arrive?
A: Response times may vary depending on number of calls, weather, traffic and other factors. When you call, a First Response representative will provide an estimated arrival time.

Q: What information do I need to provide?
A: When you call First Response, you’ll be asked for your name, vehicle registration number and the location of the accident.

Q: What happens if I’m unable to provide this information, for example because I’ve forgotten my wallet?
A: We recommend you always check that you have these essential documents on your person at all times. We have also provided you with a First Response window decal for your vehicle which has the First Response contact information. We encourage you to apply the decal to your windshield since it has the contact information for First Response.

Q: Do I need to do anything afterward?
A: Your First Response representative will help prepare an accident report and insurance claim, but you must follow up with police whether or not you intend to file a claim. This is a requirement under Road Traffic legislation.

Q: Do I have to pay or faq the First Response team?
A: No. Because you chose to insure your private vehicle with Bahamas First, this program is offered absolutely free. You are not required or expected to offer a gratuity.

Q: If I use First Response, will my premiums increase?
A: No. In fact, First Response is designed in part to keep Bahamas First-insured drivers’ rates as low as possible by investigating and initiating the claim process at the scene of the accident.

Q: What are my legal responsibilities?
A: If you use the First Response service and it is discovered subsequently that you or the authorized driver of the vehicle was in contravention of the terms and conditions of your Bahamas First vehicle insurance policy at the time of the accident, First Response has the right to recover all expenses incurred for the service.

First Response also has the right to pursue recovery of all expenses incurred in providing the service from negligent third parties or their insurers. You will be expected to co-operate in this process.

First Response