You have motor insurance – Great!
But what do you do in the event of an accident?
Make sure everyone is safe and call emergency services if required.
Exchange details with the other party
- Name
- Address
- Phone number
- Registration number
- Insurance details (if you have them)
Useful information you should also record:
- Date, time, and location of the accident
- Name, address, and phone number of any witnesses
- Photos of the crash site and damage to cars or property (a picture is worth a thousand words)
Don’t admit fault – Regardless of who was at fault, the process is the same for making a claim on your policy. Let your insurer determine fault after all the information has been provided to them.
Contact your broker as soon as possible to start the process (while the incident is still fresh).
Keep track of any incurred costs – Good quality policies will have allowances for some incidentals following an accident, such as, public transport, accommodation, or towing.
The claims process is quite simple these days, and the more information at hand, the quicker the initial claims process will be.
Before you get to the (hopefully unlikely) event of an accident, it pays to make sure you understand your policy and what benefits are included in your policy. For example, discovering that you haven’t selected a hire car option at claim time is only going to add to the inconvenience of the car accident. This is an optional benefit for most policies, and is worthwhile if you don’t have another car at your disposal whilst yours is off the road.
Contact the team at Provide Insurance for all your insurance needs.