Motorists are told to check they are up to speed on what to do after an accident or risk losing out on insurance claims.
Car insurance experts at price comparison site Quotezone.co.uk have named some of the key actions to help ensure a smooth claims process.
Drivers must ensure they have strong evidence to support their claims after a crash, and it is essential to take clear, comprehensive photos before leaving the scene.
Photos serve as concrete visual evidence, crucial in assessing the damage and circumstances surrounding the incident, establishing liability and estimating compensation.
It’s vital to take close-up shots of the damage and a few wide shots of the entire scene, including the positioning of the involved cars, road layout, surrounding traffic signs and road markings.
Drivers should ensure they have photos of the licence plates of all vehicles involved in the accident and, if possible, the vehicle identification numbers.
Other crucial elements of a successful claim are notifying the insurance company as soon as possible, not admitting liability at the scene and keeping records such as a police report, witness details, repair receipts and medical records.
Greg Wilson, CEO and car insurance expert at Quotezone, said: “Taking clear photos is often overlooked after an accident, but it’s a significant factor for insurers when they assess damage and liability.
“After an accident when emotions run high, recalling details can be difficult so the more visual evidence you provide, the easier the claims process is likely to be.
“In addition to having clear photos from the scene, it’s also important to gather contact information from any witnesses and any other party involved in the accident, keeping hold of all relevant records and notifying your insurer promptly.
“Being well prepared with all available evidence will help make it much more likely that the claim will be settled quickly and that you have the best care possible.”
1. Take Clear Photos from the Scene
It is crucial to capture clear photos at the scene of the incident. These images serve as vital evidence, helping to illustrate the circumstances surrounding the claim. Be sure to take multiple angles, close-ups, and wide shots showing the damage, surroundings, positioning of the involved cars, road layout, traffic signs, road markings, and licence plates.
2. Don’t Admit Liability
It’s essential to avoid admitting fault or liability at the scene, regardless of what you think happened. Admissions can complicate or jeopardise your claims process. Stick to the facts when discussing the incident, and allow the insurance companies to determine liability based on their investigations.
3. Get Details from Other Driver(s) and Witnesses
Gathering information from all parties involved is key to reinforcing your claim. Ensure you collect names, contact information, insurance details from other drivers, and statements from any witnesses.
4. Notify Your Insurer as soon as Possible
Reporting the accident to your insurer as quickly as possible is essential to ensure a smooth claims process. Most policies have strict time limits for filing a claim, and delaying notifying the insurer could result in complications or even denial of coverage. Prompt communication allows them to begin the assessment process quickly, gather necessary details while still fresh and work toward a faster resolution.
5. Keep All Records
Maintaining thorough records of all documents and communications related to your claim is essential. This includes police reports, medical records and any repair costs. Good documentation ensures you have all necessary information readily available, which can be invaluable if disputes arise or further proof is needed.
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