The chances that you will never get into an accident as a motorist are slim – but that doesn’t stop millions of us from getting into a bump each year.
What happens when you file a claim with your insurance company? Where do you go for help? What is the procedure for filing an auto accident claim?
So that we can tell you exactly what to expect from the start to the finish. Lets Discuss What Is The Process Of Submitting A Car Insurance Claim?
How to deal with insurance after an accident?
Don’t panic if you’ve just had an accident, but if you have, make sure you don’t panic.
The Ask The Police service offers extensive information on what to do when you’re involved in a road traffic accident of any kind, including if you’ve simply struck a sign or bollard.
1- Taking Responsibility
It’s easy to assume you’re to blame for the disaster – or to assign blame to someone else – in the heat of the moment. Rather of accepting or assigning responsibility at this point, concentrate on gathering information, as accepting blame incorrectly might lead to issues and challenges down the road.
2- Obtaining/providing essential information
Obviously, everyone’s safety comes first – but assuming everyone is safe, you are legally required to give your name and address, your vehicle’s registration number, and the owner’s name and address to anyone who might ask for them. A witness to the incident may be interviewed, as well as the driver of any other vehicles involved.
Please also record the names and contact information of any passengers and witnesses. You might want to take some photos of the occurrence and the surrounding area if it is safe to do so. These facts won’t be necessary for your argument, but they will help in case of disagreement.
In addition to jotting down this information, it’s also a good idea to gather some other information, such as:
- Any injuries sustained by anybody engaged are listed here.
- A list of the vehicles and property that have been damaged.
- Any cars involved, including their make, model, and colour
- a few comments or photos depicting the meteorological conditions
- The accident’s exact location
- The date and time when the incident occurred
It’s a good idea to list down these details on your phone so you can refer back to them once the adrenaline has run off.
3- Contacting your insurance company
It is not necessary to call your insurance company’s claims department right away, but you should do so as soon as possible. Insurers often require you to contact them within 24 hours following an accident, but since claims lines are often available 24 hours a day, it’s better to call as soon as possible to minimize issues.
Before you call, you should have all of the facts you’ve gathered, along with a detailed narrative of what happened. Sometimes it’s helpful to write things down so you’re sure not to forget anything. Keep the facts straight when reporting an accident. You could face fraud charges if you aren’t truthful or purposely mislead your insurer.
At this point, if you have courtesy car coverage, your claims representative will usually tell you how to get it, allowing you to continue driving.
4- Claims form
After you have given a detailed account of what happened and answered your insurer’s questions, you will be sent a claims form, which you must complete and return to your insurer. You’ll have to submit supporting information with this, so you’ll need the evidence you’ve collected.
Ensure you have duplicates of any supporting evidence you submit – and make a copy of your form before you send it. Even though it’s unlikely to be lost, having a backup is a good idea just in case.
5- Getting a response from your insurance
You may have to wait a long time for your insurance company to respond. A simple-appearing claim can be difficult behind the scenes, so you may have to wait weeks for it to be resolved.
Don’t rush into scheduling your car for repair, even if it seems convenient. Following your insurer’s protocol to the letter is crucial; failing to do so could result in you being held responsible for the repairs.
If your car is damaged in an accident and you have comprehensive insurance, an assessor from your insurer will inspect the damage and estimate the cost of the repair. You will be given a list of garages to take your car to for the work to be done at this point.
6- How do I file a claim for a total loss auto insurance policy?
The expense of having your automobile towed to a garage for repairs is only worthwhile if your insurance company approves of it. In this case, your insurance company declares the vehicle a total loss and writes it off.
Don’t be alarmed if this is the case. The damage to the chassis or other hidden components of the car can be extremely costly to fix, even if it appears small on the surface. If the repair costs more than 60% of the car’s value, your insurance provider may decide to not proceed.
If your automobile is a total loss, the process will be the same until the claim’s assessor visits and inspects the vehicle – but then your insurance company will contact you to discuss paying out what they believe the vehicle is worth.
Is it worth notifying your insurance company about the accident?
Small traffic accidents often don’t merit a report to an insurance company – but if this happens to you, you need to know your legal rights.
Any accident involving you or your car should be reported to your insurer according to your insurance policy. It does not mean you have to file a claim; however, you must notify them; failing to do so may result in your policy being revoked, which makes acquiring insurance very difficult.
It is up to you whether you file a claim for damage done – and if the cost of restoring the damage is less than the excess you’d have to pay, it may be better to avoid filing a claim. As an example, if you have a damaged headlight that would cost £200 to replace, claiming through your insurance company makes little sense if your excess means you will be responsible for the first £400 of the repair.
By avoiding a claim, you will preserve your no claims bonus, however your insurance premium may increase.
– Resolving the issue
Once your insurance company has either paid for your repair or paid the market value of your vehicle, your claim is complete.
A comprehensive personal injury claim may be filed with the insurance company of the other party if the collision is determined to be your fault. Your insurance company should also receive a copy of this letter. The rest will be handled by them, typically without involving you further.
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