A brief guide to making car insurance claims
Most of us take out car insurance with the sincere hope that we'll never need it. But what happens when we do? Very few people can be classed as 'experienced' when it comes to making insurance claims (those that can will in any event struggle to get insured after a while!). The whole experience of making a claim can therefore be rather bewildering and confusing. It's with this in mind that we present a basic guide to making a claim under the three most common kinds of insurance policies.
- The first thing to do in an accident is to determine whether anyone has been injured and/or if the accident scene presents a traffic hazard. If this is the case you should immediately dial 999. You should also contact the police if someone leaves the scene without stopping or if you judge the other party to be intoxicated.
- Get something to write on and make a note of the time and circumstances of the accident. Also write down the contact details of everyone involved including possible witnesses.
- Request the other driver's insurance details. All parties are required by law to hand this over.
- If you have a camera with you (a camera phone can be very handy in cases like these) take some pictures of the scene and the damage to the vehicles involved. This can be of immense value in case there's a dispute about the details of the incident. It may also be worth your while to make a drawing of your interpretation of how the accident took place.
- If the police attend the scene you should get the officers' full details as well as the name of the station/unit to which they are attached. This information should also be passed on to your insurer.
- Notify your insurer of the accident as soon as possible.
If you feel that an insurance claim was unreasonably rejected you should first contact your insurer to query the decision. If you're still unhappy with the rejection, you could consider contacting the Financial Ombudsman Service.
Their website can be found by clicking here: The Financial Ombudsman Service.
Compare car insurance quickly and easily at Tesco Compare.