It seem like a stressful experience if you’ve had a car accident or incident and you need to claim on your car insurance. However, it doesn’t have to be when you know what to do.
Collecting details
If you’ve been involved in an accident then you need to make sure you have the registration number of the other car, the name and address of the driver, as well as the other driver’s phone number and their car insurance details.
Calling the police
Even if you have had just a minor collision you should notify the police within 24 hours. If your car has been stolen or damaged by someone else then it’s essential to call the police.
Contacting your insurer
Once you’re calm and you’re confident that you remember the facts clearly then it’s time to contact your insurer. Before you do, find your insurance documents and remind yourself what you’re covered for. Make a note of any questions you have for the insurer about coverage or process.
Do you have to speak to an insurer?
If you’ve had an accident but you don’t want to claim on insurance you do still need to tell your insurer. If you don’t then this could affect your ability to get cover in the future and you could be accused of insurance fraud.
Do you have to make a claim?
No. Some people choose not to make a claim on insurance to protect a No Claims Bonus. Whether you do or not will depend on the nature of the accident or loss, as well as the costs it is likely to incur.
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