If you are involved in a road traffic accident, it can be highly beneficial to know what to expect in terms of making a claim, whether it is through your own insurance company or through the carrier of another party.
Perhaps one of the most important considerations regarding motor insurance is that of bodily injury. If you are unfortunate enough to be hurt as the result of the actions of another driver, it is advisable to consult a solicitor before taking any further action. The correct advice given at the earliest possible opportunity will serve to assist in the event of any subsequent claim.
If nobody is actually injured in the accident, liability will usually be directed at one party involved in the incident. It is always advisable to call the police to the scene of an accident so that there is an official point of reference when any eventual claims are made. On occasion, drivers may agree that nobody was directly at fault for an accident and if this situation occurs, all parties can make a claim on their own policies as long as they have sufficient coverage for any eventual repairs.
Once a claim is filed, the insurance company involved will usually send out a claim form within a couple of days. It is highly advised that as much information is gathered at the scene of the accident to help with completion of these forms. This should include photographs, detailed sketches and information regarding eyewitnesses. If you need to use a rental vehicle to stay mobile, it is also advisable that receipts are kept as these can usually be claimed back on later.