Claim auto insurance after an accident – Step by step guide
Apart from the emotional and physical trauma associated with an accident, you must also factor in the monetary damage that you have to bear. While the former can’t be contained, you can do your bit to ensure that your vehicle recovers from an accident. Whether it was your fault or someone else’s, claiming auto insurance is the best way to restore your car or bike to its pre-accident condition.
Take a look at how to claim motor insurance after an accident.
Step 1: Make a note of the situation
Recording damages is an important part of claiming insurance. First, take as many photographs of the damage to your vehicle as you can. Apart from the damage, take pictures of the number plates of all the other vehicles involved. This will help you recreate the accident accurately when claiming insurance. If possible, also get the name and number of the other parties involved in the accident.
Step 2: Get in touch with your insurance provider
Ideally, you must call your insurance provider as soon as possible. More often than not, they will guide you on steps you must take once you narrate the accident. For example, you may be advised not to move your car from the situation. Also, insurance providers have a specified time frame within which must file your claim. So, make it a priority to inform your insurance provider.
Step 3: Get the damage assessed
Based on your insurance provider, you will either have to drive your vehicle to an affiliated garage, or your provider will send over someone to inspect the damages. Either way, this process is crucial to have your claim processed. So, it is worth the effort to ensure that this inspection takes place as soon as possible.
Step 4: Inform the police
In case of an accident, it is wiser to go the extra mile to ensure smooth insurance processing. Part of this is informing the police. If there’s an accident that involves another party, call the nearest police station. Make sure you narrate the series of events to the authorities and stay until all parties have recorded their statements. This way, you can intervene if you feel the other party is making a false statement.
Step 5: Keep the documents ready
To process your claim, your insurance provider needs certain documentation. Most commonly, this list includes your driver’s license, copy of your auto insurance policy, an estimate of repairs, your vehicle’s registration certificate, filled claim form and medical bills, if any.
Step 6: Don’t be hasty
It may seem okay to leave the scene of the accident, engage angrily with the other party or get involved in a heated argument. To keep emotions out of the exchange is the best way of dealing with the situation. Also, if you feel you want to call the police and the other party is urging you not to, or is suggesting that you sign a document, don’t feel pressurised to agree. You must do what you feel is lawful and play things by the book to ensure that your claim is processed smoothly.
Knowing how to claim motor insurance after an accident helps make the auto insurance claim procedure less stressful for you. Being mindful of these pointers will also ensure that when faced with a crisis, you’re equipped to take the right steps.