If you’ve just been in a car accident, it’s unlikely that you’re reading this article from the side of the road, adrenalin pumping through your veins. No, you’ve probably made it home to a calming cuppa, and are now trying to work out if you did the right things back at the scene of the accident.
Online, you’ll find loads of great articles about what to do in the immediate aftermath of an accident, like this one from CarsGuide. These articles give you very useful advice about what to do, like:
That’s a lot to remember when you’ve just had an accident! But hopefully, with the help of other people at the accident scene, you’ve done everything you needed to do at the time of the accident and are now home – albeit with a damaged car (or, worse, without a car because it was towed to a mechanic).
Now what? Who pays for the damage to your car? How do you make a claim on your car insurance, or get the other person’s insurer to pay if it was their fault?
Every insurer and policy is different, and there are different rules and processes to go through depending on who you’re with and what type of insurance you’ve got. Typically, your insurer will want to know the date, location and details of the incident – including the name and contact details of other drivers. You may even need to submit drawings that show how the accident happened.
Your insurer will then try to find out if the other party has insurance, and will confirm who was at fault. If the damage was minor, you may be better off not claiming, as the repairs may cost less than your excess. If the repair bill is through the roof, then your car may end up being a write-off – which means you could be up for a new car.
Don’t forget, always try to get as much back from your insurer as you can. Ask them to pay for things like towing and car hire if they haven’t already offered to.
Once you’ve gone through the process of making a claim on your car insurance, you may be left with a bitter taste in your mouth. If the experience of dealing with your insurer wasn’t as smooth as you’d expected, then perhaps it’s time to review your car insurance and find an insurance company that has got your back.
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