Although most UK drivers will happily admit to taking out a motor insurance policy in the hope of never actually needing to make use of it, the increasing number of cars on UK roads means that being involved in a road traffic accident is always going to be a distinct possibility. Understanding how to make a car insurance claim can help reduce the stress and inconvenience that the typical motoring accident can cause.
Before worrying about making a car insurance claim, focus on personal safety of all drivers and passenger involved in the accident. If a driver is injured, call 999 and request an ambulance. You may also need to request police assistance as well.
Never admit liability prior to making a car insurance claim. If the other driver refuses to stay at the scene, alert your insurer to this fact.
Gather the details of the accident site as well as the personal details of all third parties involved in the accident and the details of eyewitnesses prior to making your car insurance claim.
Always request the insurance details of other drivers involved in the accident. These must be given by law.
Use your mobile phone to take any relevant pictures prior to making your car insurance claim. Remember to photograph the damage to all vehicles as well as road layouts wherever possible. This can be particularly useful if another driver is trying to shift responsibility for the accident. Also, make a note of speeds and weather conditions in case they are required at a later stage.
Keep a record of the names and numbers of any police officer dealing with the case.
Let your insurer know about your car insurance claim at the earliest opportunity.