How to claim your car insurance if you get accident

Thursday, December 3, 2009

If you get accident, you must know the way how to claim your car insurance. If you know the way how to claim your car insurance, you can repair your car and get claim quickly and easy. Generally car insurance company can receive and process your claim in 24 hours.

You know, the accident will happen suddenly, so you must prepare and always bring all things below in your car to make easy and quickly when you make a claim . You must prepare:
* Pen and paper
* First aid kit
* Torch

At the scene, If you find yourself in an accident you must do :
* Stop! You must stop after an accident by law.
* You should check to see if anyone is hurt and if needed call an ambulance.
* If there has been an injury, you need to tell the Police and get an incident number.
* Providing it is safe to do so, you should not move the cars before an independent witness (if one is available) has noted their positions.
* Even if you feel you are at fault do not admit liability at the scene as the auto insurance company will take care of this for you.

You need to exchange details with those involved including:
* Name, address and phone number
* Vehicle make and model
* Registration number
* Insurance company
* Policy number
* Write down details of the accident and draw a sketch map of what happened. If you have a camera, take photos.
* Take a note of the names, addresses and registration numbers of any witnesses.
* If your car cannot be driven, the car insurance company will usually arrange for it to be taken to the nearest suitable repairer with our 24 hour accident recovery service.

How to make a claim to your auto insurance company :
* After an accident, you need to tell an auto insurance company as soon as possible, generally an auto insurance company have a 24 hour claim line to make easy your contact to them
* The auto insurance company will then talk you through what happens next and take the details of your claim over the telephone.
* After that, the auto insurance company will tell you where your nearest recommended repairer is and organise for them to contact you.
* Alternatively, you can have your car repaired at another garage but you must make sure we approve an estimate before having repairs carried out. Please do not take your car in for repairs before we have approved the estimate.
* Please don't forget you will be required to pay any agreed excess as shown on your Schedule.

As the claim proceeds you should follow our recommendations to make the claims procedure as quick and simple as possible. Keep all receipts and copies of any letters linked to your claim.