After an accident, it’s important to inform your insurance company as soon as possible, generally the firms will have 24 hour phone lines so you can have the details fresh in your mind. It’s important to be honest and consistent in reporting the details, changing these at a later date can look suspicious. Ensure that the insurance company has your correct contact details so that they can contact you when necessary.
Keep all the relevant document and receipts relating to the occurrence safe, making certain that you have it all together should the insurer ask for any further information. It’s also worth making a copy of any letters or documentation you have sent regarding your claim.
It’s advisable to not make repairs to your vehicle until your insurance company have said that they are going to pay out. Never assume that they have to – until you have confirmation, the cost repairs are your responsibility. In several instances, insurance firms prefer to work with their own recommended repair companies and many will pay the garage directly.
If you do have an accident in your car, it’s worth looking into your policy to see if you are entitled to a courtesy car whilst repairs are taking place. You should also remember that with the majority of contracts, you are liable to pay the agreed excess regardless of the cost of the fix. Sometimes it’s worth just paying for the work to be done independently, particularly if a no claims bonus will be lost.