What does it take for car claims to be successful?
If a claimant has had an accident, regardless of whose fault it was, they will want the insurance to stump up for the repairs or replacement of the damaged vehicle. The driver responsible for the accident will have to pay for the damage to the third party’s car, since that’s what third party cover means.
In order to be certain your insurance company will cover the car claims for damage without hassle, it is important to do certain things at the time of the accident.
Top Tips for handling car claims situations
Try and all vehicles to a safe place and make sure to write down the details of all the other drivers involved, including vehicle registration and makes of vehicles.
If it is not possible to move the vehicles, at least try to get all drivers and passengers to safety.
If people have been injured call an ambulance immediately. You are also by law required to call the police.
If people are in shock, find blankets or clothes to keep them warm.
Set out your warning triangle two hundred yards down from the accident to warn oncoming traffic.
Take pictures, make notes: weather conditions, position of vehicles before and after the accident, whatever information you can.
Your insurance company
Inform your insurance company as soon as possible.
Do you really need to make a claim? If you have a high excess on your policy and the damage is slight and nobody was injured, you may feel it is not worth making a claim. If you do, it will only put up your future premiums. Sometimes doing the numbers can reveal that car claims are a false economy if the bills are not going to be huge.
If you or your passengers have been injured and the injury seems slight, see a doctor anyway. Some injuries take time to show and it may turn out after a period of time that the injured person wishes to make a personal injury claim. If this is the case, a medical report will be required.
Date Published: April 1, 2013
Author: David Brown