How to Claim Your Car Insurance

Claim Your Car Insurance 

Are you confused or dilemma after occurring your car accident? I think you are confused that how to claim on your car accident. Don’t worry, I have listed some quick tips to claim your car insurance. This post draws your attention to know before you make an insurance claim. You have to be sure that if the drive is uninsured or won't give you their details information.

Quick Tips:

- You have to admit the scene of accident.
- You have to exchange names and other information with other drivers and have details of any independent eyewitness.
- You have to tell your insurance company about the accident straightaway.
- Show your insurance certificate or cover note to the police, if it is necessary.
- You have to take some photographs that you may be able to use as strong evidence if it is necessary.

  • What to do if you have comprehensive insurance policy:

- If you have a comprehensive policy then you must claim from your own insurance company.
- You can claim from the other driver’s insurance company for any injuries or losses not covered by own insurance policy. It is called uninsured losses and can be cover alternative transport.
- You have to make a claim, fill a form or write to the other driver or their insurance company, giving details of the accident and the other driver's insurance policy number.
- If you used a broker to buy your insurance policy then they may be able to help you. You have to make sure, keep copies of all documents and letters from your insurance company.

  • What to do if you have third party Insurance Policy:
- You have to make a claim against the other driver, if you have third party insurance policy and decide who is responsible for the an accident.
- You have to write that you want to claim from them, if they were driving a company vehicle.
- The other driver should make report the accident to their own insurance company.

  • What to if the accident wasn't your Fault:
If the accident was not your fault then you can use a credit hire company. A credit hire company may help to pays for the cost of you hiring a replacement vehicle.

  • If the driver can't be identified or uninsured:
One thing keep in your mind that you can't claim if you are an injured passenger of an uninsured driver. You can claim on your own insurance policy if you have comprehensive insurance policy.
  • Your vehicle Repairing:
You have to get permission to repair your car from your insurance company. Before repairing your car your insurer should send to inspect it and you may have to use an approved repairer.

  • If your car is a write-off
If your insurance company decides that it is not significant to repair your car then they should offer you the car's market value (price) at the time of the accident. If you are not satisfied with the amount you are offered by your insurance company then you need to give the insurance company or your insurance agent evidence to show car is worth more.
  • Miner Damage to Older Cars
If an older car minor damage on an accident, you may decide not to claim on your insurance company in case the car is written off. If your car write-off, you could ask the insurer how they work this out.

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