Have you ever wondered how to claim from your car insurance provider in the event of an accident? Not sure what to do first? Here is a quick, hassle-free, step-by-step guide to following the right procedure and making an insurance claim.
Call the police
Depending on the severity of the accident, you might have to contact the police. It is important that you do this first (after calling an ambulance, if need be). The police will assess the situation and then provide you with a case number.
Call your vehicle insurance provider
Once you have obtained a case number, you must get in touch with your vehicle insurance provider as soon as possible. You need to contact them within 30 days of the incident. It is also very important that you supply them with enough details pertaining to the accident and that you are honest about what happened in order to ensure that the correct procedure is followed. Once you have submitted the claim, a claims handler will be in touch with you shortly.
What to do if you are involved in a fender bender
Many people will wonder whether or not to submit a claim if they have merely experienced a fender bender. The truth is, though, that if your vehicle is damaged in any way, you should contact your insurance provider immediately. This is because if you are ever involved in a more serious accident, it will be easier to differentiate between the damage sustained as a result of each separate incident. You also need to get in touch with your insurer if you were responsible for a fender bender that occurred between you and another vehicle. Your car insurance provider needs to know that a third party claim will be submitted.
What to do if your car is hijacked or stolen
If your car insurance policy states that if you are covered for theft, then it is imperative that get in touch with the police and your insurer immediately.
What to do if your windshield is damaged
Windshield damage is incredibly dangerous and, as a result, needs to be repaired as soon as possible. Unfortunately, not all motor insurance policies include cover for windshield damage. Before submitting a claim for the repair of your windshield, read through the cover sheet of your policy. If you are indeed covered, contact your insurer and provide them with the necessary information. You will then be informed of what to do next.
If you are ever in doubt about making a claim, do not hesitate to call the vehicle insurance company for advice. Remember – every policy is different, so make sure that you are well aware of exactly what you are covered for before getting behind the wheel.