If you might be unfortunate sufficient to have an accident within the UK, you’ll need to know among the fundamentals ins-and-outs of the way to make a declare in your UK automobile insurance coverage.
The very first thing it’s best to do following a automotive accident is to verify and see if anybody in your automotive or any of the opposite vehicles has been injured. If they’ve, you must instantly name for medical help (ambulance). Once you’ve got carried out this, take into account that chances are you’ll want to incorporate a medical report as a part of the accident declare.
Call the police
Depending on the seriousness of the accident, chances are you’ll know have to name the police.
By regulation you must have a duplicate of your automobile insurance coverage certificates with you in your automobile always. Included on this will likely be a 24-hour hotline contact quantity that you could name for those who occur to be concerned in an accident. You must ring this quantity and ask them what the procedures are it’s best to take. Remember, within the UK you possibly can have one among a number of completely different courses of automotive insurance coverage (for instance, third social gathering or absolutely complete), so the steps you will want to take will range relying on this and the procedures put in place by your particular automobile insurance coverage coverage supplier.
While on the telephone along with your automobile insurance coverage firm, bear in mind to ask them to ship you an accident report kind. The accident report type must be pretty self-explanatory, however when you have any issues finishing this, then it’s a good superb that you just name your insurer and clear up any misunderstandings earlier than you submit this manner.
Collect proof of the accident
Having referred to as your insurance coverage supplier and requested for help, it’s a good suggestion to gather some proof in regards to the accident. This can embody taking the names of any eye witnesses and/or taking pictures of the accident (cell phone cameras are helpful for this functions).
Repairs to your automobile
It is essential that you simply perceive that any prices you incur with respect to your automobile following an accident are on your personal account (i.e. you pay) except you might have agreed these beforehand along with your insurance coverage firm. As such, it isn’t a good suggestion following an accident to simply take your automotive off to a storage and have the repairs carried out – as you might effectively discover your automotive insurance coverage firm is not going to conform to reimburse you. Far extra wise is to cellphone the automotive insurance coverage firm first and ask them if there’s any particular storage in your space the place it’s essential take the automotive for repairs.
Keep receipts for all bills
Even in case you suppose that it’s unlikely you’ll be reimbursed for the fee, if in case you have an accident and are going to make a declare together with your automotive insurance coverage firm then it’s important that you simply preserve a receipt of all of the bills incurred. Keep in thoughts that for those who should not have a file of the expense, it’s extremely unlikely that your automobile insurance coverage firm goes to reimburse you.