What should you do when you are in an accident that is your fault? One of the most important steps after the accident is to call your insurance company and report it. This can be a bit tricky, so here are 10 steps to help you claim Supermini car insurance after an accident.
1. Get professional help
After the accident, you will likely be dealing with many people. Your insurance company, police, tow truck driver and your next door neighbour (haha). You may want to hire a lawyer or someone else who is able to give you advice and help you write a letter or two if necessary. This way you can ensure that everything is done right and you are not taken advantage of. The last thing you want is to get blamed for the accident, which can happen if you act without professional help.
2. Report the accident to your insurance company
The first person you should contact after an accident is your insurance company. If there were any injuries involved, it is best to let them know as soon as possible, so they can start helping you. The faster you let your insurance company know about the accident, the better off you will be.
3. Check to see if there was any damage done to other vehicles involved
If those who were in the accident with you do not report it after a reasonable amount of time, you may need to report it yourself. If there was any damage done to their car, you should take some pictures of it before they leave. This can be really helpful later on because if they do not report the accident to their insurance company, you will need proof that damage was done. Your insurance company may not believe your word alone that there was an accident.
4. Ensure that the police have been called
If there was any damage done to other vehicles or people involved, you will need to call the police and file a report – even if you don’t think it is necessary. If the other drivers do not want to call, they can use your phone so this should not be a problem. It is always better to be safe than sorry, even if it isn’t necessary.
5. Get the right tow truck
In most provinces, tow truck drivers are required to contact police when they arrive on scene of a collision. In general, they will not move vehicles without the permission of those involved. This means that you can decide what you want to do with your vehicle, whether it is leaving it in the middle of the road (bad idea) or having them bring it somewhere else. It is best if they can take you and your passengers to a safe place before taking any other steps.
6. Exchange information
As soon as you are able, exchange all relevant information with those involved and police. This includes: contact information, drivers license numbers and insurance information. The last two may be written down on the official accident report or you can use your phone to take pictures or record video of it – just make sure you have proof!
7. Get estimates
If there is any damage done to your vehicle, get an estimate right away. Ensure that your insurance company knows about this, because they will likely want to review the estimate before covering any repairs. Also, keep in mind that it is possible for you to go directly to a body shop or mechanic of your choice even if your insurance company usually uses certain shops. However, some accident benefits do not allow you to do this.
8. Keep track of everything you’ve done
It is a good idea to keep track of every person on scene, every action that was taken and any other details that may be important later on. If there are any questions about who did what or when certain things were done, you will have a record right at your fingertips.
9. Wait for your insurance adjuster to arrive
It can be frustrating when you are expected to sit around after an accident but this is the best way to ensure that you get all of the money you deserve from your insurance company. They will take photos, make notes and review everything with you before any decision is made about what benefits you qualify for.
10. Talk to your insurance adjuster about your accident benefits
You should always talk to your insurance adjuster after an accident in order to find out what options are available. You can then choose which one is best for you in terms of time, money and convenience in order to get back on the road as soon as possible.
With a little patience, you can claim supermini car insurance after an accident and get the benefits you deserve. However, it is important to be safe rather than sorry if there was any damage or injuries that occurred as a result of the collision. In most cases then police must be called and this will delay your ability to make a claim with your insurance company. This is one of the reasons it is best to call your insurance company immediately after an accident, not only to tell them what happened but also to ensure that they are informed before any other steps are taken.
What should you do if you’re involved in a minor collision without damage?
Usually, this is not required by law unless there is personal injury. However, reporting the incident will give your insurance company an opportunity to determine if any additional discounts are available. If it turns out that there were no vehicles or property damaged then neither party needs to report it.
What happens if I don’t have enough time to wait for my adjuster?
Unfortunately, you are not able to get your benefits. This is why it’s important that you call your insurance company as soon as possible after an accident has occurred. They will take details and photos of the damage before offering benefits so this can be done while waiting for the adjuster to arrive on site.
How soon after an accident should I call my insurance company?
As soon as possible! Even if you are dealing with the police already, call your insurance company to let them know what happened. If there is any damage or injuries then you must report it immediately. This will help ensure that they are aware of everything before any decisions are made about how benefits are paid out.
How long should you wait for an insurance adjuster?
A few days is okay, but if there is any damage done to your vehicle or your vehicle was towed away by the police then it’s best to call them as soon as possible. If your vehicle is drivable and there was no damage to it, then you can take it to an auto body shop of your choice immediately. This will not affect how the insurance company deals with your claim.
Is your insurance company supposed to settle with you within a certain time frame?
It is usually best for you if they do, but this will depend on which benefits you are claiming. For example, most people can wait up to 30 days for their car rental benefits to be paid out after an accident, but if you need income replacement then this needs to be paid out as soon as possible.
In The End
I hope this article was helpful! If you have any questions about the process of claiming supermini car insurance after an accident, please comment below and share your thoughts. Thank you for reading!