Claiming after a car accident is something you should definitely consider, especially if there’s big damage to your vehicle or if a personal injury is one of the consequences of the accident. So, we’ll take you step-by-step through the situation of a road traffic accident. So you will understand the full process and how to make a road accident claim.
That way you’ll know exactly what to do and what not to do. Very few people know exactly what needs to be done after the accident. Not enough knowledge of these things can make your process lengthy and you can not get enough amount of your claims. First of all, let’s start with the scene of the accident.
Right after the accident
Before everything else, make sure you and other people involved are okay. This can refer to the other drivers, pedestrians, and passengers. This is the first thing you have to do after an accident. Then, move your car to a safer location, away from the traffic and, more importantly, don’t leave the scene of the accident. It is the most important thing to remember.
Call the police and medical assistance, if needed. Explain all the things about accident to police
Until they arrive, start collecting details and information yourself. This information will be useful when filing a claim, so make sure you collect it precisely and accurately. Write everything down. Make a list of all the documents and evidence so that you can give it to the police or insurance company immediately if required.
This includes names, date, location, license plates, the position of each car, circumstances, taking photos, and finding witnesses. Take time but collect proper evidence. Take photographs of all the things that involve in the accident. Photographs of vehicle involved, damage, a vehicle with the number plate will help you to make proper documentation.
Witnesses are especially important in a case of a car accident, as they might see something you’ve missed and have an objective perspective of the situation. You can do conversations with them and collect the required information. The most important thing is to determine who’s responsible for the accident. If it turns out to be the other driver, and not you, then you have the right to file a car accident claim. This is where the process begins.
You will not be in direct contact with the other driver, but with their insurance company, if they have one. If you or the other driver were driving without insurance, then that’s a whole other procedure. If they don’t have insurance, they need to take full responsibility and pay what needs to be paid, but it’s way more complicated than that.
Regardless of the insurance of another driver, you have the right to seek compensation.
Filing a car accident claim
So, if there were no other consequences of the accident except for minor vehicle damages, you can submit the claim directly to the car insurance company.
They will ask for a policy number, date, location and time of the accident, description of the circumstances, other driver’s contact information, name of the police department on the scene of the accident, etc. Provide car insurance company all the documents, evidence, and any other information if required by them.
To sum it up, have as much information as possible.
The car insurance company probably doesn’t want to pay you. They’ll do anything they can to reduce the amount they have to pay.
Given that they are very experienced, make sure you hire a car accident claims solicitor.
Plus, if you’ve suffered a personal injury then the solicitor can be crucial to achieving justice. It will help you in the whole process. The solicitor will explain everything in detail so that you will not miss anything while making claim to the insurance company.
Even though the insurance company should take you through the whole process, your solicitor can help you even more and explain how it actually works.
You can form a claim with your solicitor, so you don’t miss anything and prepare all documents needed.
After filing a claim, the insurance company will decide whether or not they will accept it. Strong documents and evidence will help you to get the claim amount without any deduction.
Note that this process can take up to several years, so despite the fact that you have three years to file a claim, don’t wait another day.
We hope this article will help you to make a road accident claim.