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    "If you've been injured through no fault of your own you could be entitled to compensation. If you're unsure if you could claim, I recommend you call Accident Advice Helpline."

    Esther Rantzen

    How to deal with insurance companies after an accident


    Insurance companies will inevitably have to be involved in the aftermath of a road traffic accident. Regardless of whether you have been involved in a car, truck, or motorcycle accident, you will need to deal with insurance agents for claims - yours and that of the other driver(s) involved in the accident.

    Accidents can be difficult situations to deal with as it is, but they become even more complex if you’re unaware of how to deal with them. Dealing with insurance adjusters and filing insurance claims is a major part of the post accident process and it can be particularly harrowing too, especially if you have had no prior experience with insurance companies.

    What you should do

    • Calling your insurance company is one of the first things you should do after an accident. The only things that should precede a call to your insurance agent include taking care of serious injuries, tending to those in immediate need of your help, and making a call to law enforcement.

    • In order to prove your insurance claim, you will need lots of evidence. So, collect as many details of the accident as you can, including pictures of the vehicles and any injuries sustained, along with the names and the contact information of everyone involved and the witnesses to the incident.

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    • You should also acquire the insurance details of the other driver(s) and vehicle(s) involved in the accident.

    • Records are important and can prove to be incredibly useful in the claims process, so maintain written accounts of all conversations you have with insurance agents and adjusters, as well as those with any other people involved in the incident. Additionally, you should save all bills and receipts for expenses such as medical treatment and vehicle repair.

    • It is highly essential that your insurance claim is sound so that it holds up in court. Therefore, ensure that you have read and clearly understood your insurance policy and also check if you have multiple insurance policies. You can thus determine exactly how much coverage you’re allowed and this will help you file a valid insurance claim.

    What you should not do

    • It is the insurance company’s job to collect and examine all necessary evidence, determine who was at fault for the accident, and to assign liability. Therefore, explain the incident as it happened factually but do not express any opinions.

    • Most insurance policies have specified time periods within which you need to file a claim. Do not let the time limit expire, else your claim might be invalidated.

    • If you are unsure or unclear about any provision in your policy or claim, do not sign any documents or waivers, and do not submit any written documents.

    • Determine your own estimates of fair compensation and do not settle for or accept any amount less than your actual losses, no matter what the insurance company tells you.

    If you need any information, advice or help with your insurance claim or in dealings with your insurance company, get in touch with Accident Advice Helpline on 0800 689 0500 today. 

    Date Published: January 5, 2014

    Author: David Brown

    Accident Advice Helpline (or AAH) is a trading style of Slater Gordon Solutions Legal Limited. Slater Gordon Solutions Legal Limited is a company registered in England and Wales with registration number 07931918, VAT 142 8192 16, registered office Dempster Building, Atlantic Way, Brunswick Business Park, Liverpool, L3 4UU and is an approved Alternative Business Structure authorised and regulated by the Solicitors Regulation Authority. Authorised and regulated by the Financial Conduct Authority.

    Disclaimer: This website contains content contributed by third parties, therefore any opinions, comments or other information expressed on this site that do not relate to the business of AAHDL or its associated companies should be understood as neither being held or endorsed by this business.

    No-Win No-Fee: *Subject to insurance costs. Fee payable if case not pursued at client's request.