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UK Car Insurance - Making A Claim

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If you are unlucky enough to have an accident in the UK, you will need to
know some of the basics ins-and-outs of how to make a claim on your UK
car insurance.

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motor, auto, claim

Article Body:
If you are unlucky enough to have an accident in the UK, you will need to
know some of the basics ins-and-outs of how to make a claim on your UK
car insurance.

Personal Injury

The first thing you should do following a car accident is to check and
see if anyone in your car or any of the other cars has been injured. If
they have, you should immediately call for medical assistance
(ambulance). Once you have done this, keep in mind that you may need to
include a medical report as part of the accident claim.

Call the police

Depending on the seriousness of the accident, you may know need to call
the police.

24-Hour assistance

By law you should have a copy of your car insurance certificate with you
in your car at all times. Included in this will be a 24-hour hotline
contact number that you can call if you happen to be involved in an
accident. You need to ring this number and ask them what the procedures
are you should take. Remember, in the UK you can have one of several
different classes of car insurance (for example, third party or fully
comprehensive), so the steps you will need to take will vary depending on
this and the procedures put in place by your specific car insurance
policy provider.

While on the phone with your car insurance company, remember to ask them
to send you an accident report form. The accident report form should be
fairly self-explanatory, but if you have any problems completing this,
then it is a good ideal that you call your insurer and clear up any
misunderstandings before you submit this form.

Collect evidence of the accident
Having called your insurance provider and asked for assistance, it is a
good idea to collect some evidence about the accident. This can include
taking the names of any eye witnesses and/or taking photographs of the
accident (mobile phone cameras are useful for this purposes).

Repairs to your car

It is very important that you understand that any costs you incur with
respect to your car following an accident are for your own account (i.e.
you pay) unless you have agreed these beforehand with your insurance
company. As such, it is not a good idea following an accident to just
take your car off to a garage and have the repairs done – as you may well
find your car insurance company will not agree to reimburse you. Far
more sensible is to phone the car insurance company first and ask them if
there is any specific garage in your area where you need to take the car
for repairs.

Keep receipts for all expenses

Even if you think that it is unlikely you’ll be reimbursed for the cost,
if you have an accident and are going to make a claim with your car
insurance company then it is vital that you keep a receipt of all the
expenses incurred. Keep in mind that if you do not have a record of the
expense, it is highly unlikely that your car insurance company is going
to reimburse you.

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