If you’re involved in an accident, and you have insurance, it’s important you contact your insurer with as much detail as possible, as soon as possible. Some insurers even have mobile apps that can assist with gathering information for a claim.
Your insurer will require certain details of the accident when you lodge your claim, including:
- the name, licence numbers, and contact details of the other driver;
- details of the other driver’s car (i.e. registration number, make, model, and colour);
- the other driver’s insurance information; and
- an account of the accident, including the date, time, and damage.
Don’t forget to take photos of your vehicle and the other vehicle, to present as evidence of damage to your provider at the time of your claim.
If the police attended the scene and documented your accident, your insurer will also use this to substantiate your claim. Your insurer may also require a vehicle inspection to determine the damage. Throughout the claims process, your insurer will take care of communication between the other driver and their insurer if needed.
Depending on the nature of your claim, the extent of the damage, and the communication between the other driver and their insurer, it’s difficult to say how quickly your claim will be fully processed. If all parties cooperate and communicate effectively, it could be a matter of days. If there’s any uncertainty or extra investigation required, it could take up to a year.
After you claim on your policy, you may notice an increase in your premiums. If this does happen, compare car insurance to ensure you’re paying for a great-value policy.
For more information, read up on what to do after a car accident for tips on how you can effectively manage an incident and gather any required information.