What To Do After A Car Accident: Our 8-Step Guide 

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. 

  1. 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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  1. 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. 

  1. 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.

  1. 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. 

  1. 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. 

  1. 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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  1. 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

  1. 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.