What To Do After An Accident
In the event that you are involved in an accident there are a number of things that you should remember to do. Here are some guidelines on what to do in an accident:
|Call the Police||As soon as the accident has occurred you should call the police who will then be able to provide a report on the situation.|
|Take pictures||Take pictures of the vehicles involved in the accident as well as any skid marks on the road, or damage to the vehicles. Make sure you take wide angle shots showing the entire scene, as well as detail shots of damage, license plates and other relevant details. These pictures can be useful later providing additional support to the claim.|
|Wait for the police to arrive||Wait for the police to arrive at the scene. Do not move the vehicles unless instructed to do so by the police.|
|Exchange insurance information with the other driver||Make sure you obtain the insurance information of the other drivers involved in the accident. You may be asked to provide this to your insurance company later.|
|Once the police have arrived, follow their directions||It is important that once the police have arrived that you follow all their directions and answer all their questions accurately. Remember that you still should not admit fault.|
|Obtain a copy of the police report||When the police have investigated the scene and made their observations, they will compile a report on the incident. It is extremely important that you obtain a copy of this report.|
|Contact us||Contact us as soon as you are able to do so. In many cases the insurance company can start to process a claim before the police report has arrived, provided a completed claims form is supplied to them. Our claims team can help assist you submit your claim after an accident.|
It is important that if you are in an accident that you never admit fault. An admission of fault before the police have determined the cause of the accident can be seen by the insurer as 'contractual liability' or liability of the policyholder assumed under an agreement which would not normally have arisen. It is important to note that contractual liability will normally be excluded from coverage under a motor vehicle insurance policy.
If you are involved in an accident you should notify us, or your insurance company directly, within 7 days of the incident.