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Car Insurance and Accidents – What to do when the worst occurs

By: David Yuri

Being involved in a car accident can be a harrowing experience, and afterwards there can be a lot of paperwork to complete. You may be tempted to not declare the accident to your insurance company. Don’t succumb to temptation, tell your insurance company whether the accident was your fault or not. They will provide you with comprehensive car insurance and everything will work out to your own benefit.

The following points are to help you after an accident:

• Make sure that everyone involved is unharmed and not in any danger.

• Record all the details of any other drivers involved. Get their name, addresses, licence numbers and the other driver’s insurers. If you have the opportunity, get the licence plate number of each vehicle involved as well.

• If there are witnesses at the scene of the accident, get their names and addresses as well. This information could prove vital when establishing which driver was at fault in the event of a claim.

• Make sure you notify the police as soon as possible. Never leave the scene of an accident whether it was your fault or not. If you do, it could lead to serious consequences.

• If after the accident you cannot drive your car and you have comprehensive cover, you can make sure your car is towed and stored in a safe place. Keep all details of who towed your car, and where your car was towed to. Any piece of information is valuable when it comes to benefiting from a comprehensive car insurance policy.

• Contact your insurance company who will put you through to their claims department. They will then be able to send you out any relevant forms and information regarding your car insurance coverage.

• Be completely honest when writing and describing what happened. If the accident was your fault, you have to say so. It is always better to be completely honest when you are dealing with insurance companies, particularly when it comes to your car insurance policy.

Always phone your insurance company at the first chance you get. It may not be the first thing you think about when you have had a car accident, but it is imperative that you do phone them as soon as you can. A comprehensive car insurance policy can do you more goo than you expect.

If you have an excess on your car insurance policy you will have to pay this if the accident was your fault. The same applies if you could not get the other drivers details. Some insurance companies will provide forms for you to complete, and others may take the information over the phone instead.

With regards to any no claims bonus that you may have, unless you have your no claims protected, you will lose them unless the accident was not your fault. If the accident was not your fault but you have not got any other parties details, you will lose your no claims unless you are protected.

Article Source: http://www.articlekingpro.com

If you are searching for a comprehensive car insurance policy, then you are in the right place. With years of experience in the field and knowledge of the market, we can provide you with a suitable car insurance policy, guaranteed to save you a lot of money!

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