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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 make an insurance claim

    It can be overwhelming when you are looking to claim on insurance after a car accident. Aside from dealing with the stress of the accident itself there is then the issue of dealing with making a claim. Knowing what you can claim for and what you are owed can be quite complicated and it often helps to have experienced legal advice to make sure everything is handled correctly. With a few tips it is possible to learn how to make an insurance claim in the right way that can be processed properly.

    Be prepared

    The best thing to do is to prepare before something goes wrong. Check to ensure you have the right kind of insurance. It sounds obvious but different companies have different ideas of what constitutes “standard” cover in the event of an accident. For example you may be covered if another insured driver hits you but if the other party is uninsured this may require an uninsured driver cover that you may not necessarily have (this may also not necessarily cover theft, arson etc).

    Report it

    If you are injured then you need to get medical help straight away. In the event of criminal damage then you need to report this too. If possible try to get contact details from people nearby so your solicitor can obtain witness statements which will provide additional evidence in court and will increase the chances of getting compensation.


    There are three vital bits of information you need to have ready:

    1. Your policy document
    2. Proof of the damage and receipts for any repairs or costs.
    3. Reference numbers (for example if you call the police they ought to give you a reference number for the incident)

    It is also important when making an insurance claim to recount all the details clearly and with all the right details (times and dates, contact details of people involved) recounted consistently.

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    Don’t overclaim

    It sounds obvious but it is vital to be honest about the amount that you intend to claim. If you deliberately overclaim then this can invalidate your insurance policy and you can end up with nothing!

    However equally it is important to be aware that sometimes insurance companies will try to settle quickly. This means you could be missing out on money because they do not want to go through the court process.


    Your insurance claim may be rejected if you give the wrong information or leave out certain details (for example failing to inform people about a pre-existing medical condition or who was driving your vehicle at the time). Your claim can also be rejected if an insurer feels that you were at fault (for example if you left your valuables in clear view while your car was parked.)  However equally if the wording of a policy seems vague then you can challenge it as it is the responsibility of the insurer to clarify the details of a policy.

    Contacting Accident Advice Helpline

    If you feel that your insurer has not given you the compensation you deserve then talk to us! Some customers have come to us after being dissatisfied with their insurer for either not paying or not properly settling an insurance claim. Indeed it is often better to talk to us first as we can often guide you step by step through the claim process and give you an idea of how much you should be entitled to (something you may or may not get from the insurer).

    We are open 24 hours a day and work on a “no win no fee*” basis. Contact us today to find out how we can get you the compensation you deserve!

    Date Published: October 21, 2013

    Author: David Brown

    Category: Insurance Claims

    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.