Making a claim from your insurer
Get all the right details for a UK Car Insurance Claim
If you are unfortunate and have an accident there are some set proceedures you will need to follow to make a claim.
1. Personal Injury
If you have an accident here's ewhat you should do first:
- Check all vehicles for signs of injury to anyone
- Be prepared to compile a medical report for any potential claim
2. Call the police
You may need to call the police. Check again for injuries to anyone and make sure anyone involved is acting properly and offering personal details if necessary. Depending on the seriousness of the accident, you may know need to call the police.
3. Contact your insurer
The law states that you should carry a copy of your policy in your vehicle. Check with your car insurance company via your provided contact number. This is usually a 24-hour hotline number enabling you to speak directly with your insurer to check in times of an accident or assisitance.
Because there are various levels of cover you will need to confirm, via your contact number, the exact procedures you should
While on the phone with your car insurance company ask them to:
- Send you an accident claim or report form
- Confirm any other action you should take
The quicker you get this form the better becuase any future payments will rely on it.
4. Be prepared to collate evidence of any accident
When you have contacted your insurance company you should make sure you have all the necessary details to support your claim. This may include the names and addresses of all witnesses, photographs from the scene and any police details if they have been called.
5. Car repairs
If you're in an accident you need to be aware of any costs that may occur. There will be more costs involved if you are at fault and less so if the other driver id negligent (and you can prove it). If your car is not fit to drive you may need to hire one so make sure you know if you will be reimbured.
Check with your cover provider when and where your car should be taken for repair as insurers often use their own garages for any damage assessments.
6. Keep a record of all costs
You should keep all receipts for any costs that have been incurred following an accident. You need to prove everything if necessary so you are not out of pocket. If you don't have a reciept it is unlikely you will be able to recover monies already spent.
If you do have to make a car insurance claim, follow the above and recoup your losses
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