If you’ve just been involved in a collision, the adrenaline might be pumping and clouding your judgement. Already knowing what to do if you get into an accident can save you from danger. These tips will help you stay safe, and help you make sure you follow the correct procedures that your insurer will want you to follow.
- Safety of you and your passengers
Take a moment to breath, check that you and your passengers are all okay. As the driver, you are responsible for your passengers safety. It may be necessary to leave your vehicle and find a safe place to stand. Or if your car is causing a hazard, it may be better to move it to a better position.
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- Call the Authorities
If your car has sustained a significant impact, it may be worth reporting the incident to the Police, who may attend. If there has been any injuries, or multiple parties involved, the Police will most likely attend the scene.
- Exchange Details
It’s important to collect as much information as possible from all parties involved. Including the name, contact details and vehicle registrations of everybody. If you can, take photos of the vehicles, and the damage sustained.
- Call and Wait For Assistance
Depending on your insurer, you may find that they have an accident hotline. Otherwise you may need to arrange a recovery vehicle to collect your car. While you’re waiting, write down your version of events as soon as you can, include street names etc. This will be really helpful for you once you begin speaking with your insurer as it’s easy to forget details in the heat of the moment.
- Notify your Insurer
Regardless of who is at fault during your claim, you should tell your insurer of the incident, unless you decide to settle the claim outside of insurance companies to protect your No-Claims Bonus. Beware that if the vehicle’s involved have sustained significant damage, the cost to repair may exceed the value of the vehicle. In other words the vehicle ought to be written-off.
- Wait for a Verdict.
Your insurer and the other parties insurer will work together to determine who was at fault, and arrange for financial reimbursements. This can take anywhere between 1 to 6 weeks to complete, so be prepared to be without a vehicle for some time!
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- Repairable or Write-Off?
Depending on how severe the damage will determine whether your vehicle is repairable or will be written-off. A write-off means that your insurance company have deemed the economic cost of repair to outweigh a certain percentage value of your vehicle. If it’s written-off, you will be paid an amount to cover a “like-for-like” replacement of your vehicle. Follow the link to get an accurate insurance write-off payout valuation for your vehicle, and here are some really helpful tips on how to make sure you get the most value from your insurance claim, and how to boost your insurance payout.
- Getting back on the road safely
After any accident, you may find that you’re a little nervous to get back on the road. Take your time, start with short quiet drives, and slowly build yourself up from there. The most important thing to remember is to stay safe, and drive carefully.
So there is our quick 8 step guide to managing a car insurance accident. There are many support networks to help you through the emotional stress of what you’ve been through so you don’t need to suffer alone.