10 Steps to Claiming Commercial Vehicle Insurance YesEnsure

10 Steps to Claiming Commercial Vehicle Insurance

In this article we detail 10 steps that can help you claim commercial vehicle insurance. This is a complex area, and the advice must be tailored to your own circumstances, but it may offer some guidance in starting your claims process.

1 – Secure Your Truck Or Van

If you have been involved in an RTA while using your c   vehicle for your business, you have an immediate problem to overcome before you are able to deal with anything arising from the accident.

This is because most commercial vehicle insurance policies require the insured person or firm to secure the use of their truck or van. If they fail to do so and another vehicle collides with it – perhaps causing serious injury – then they can be held liable for all of the costs that ensue.

2 – Don’t Assume You Are Covered

While some people may assume they are covered by their commercial vehicle insurance, it is always advisable to check this with your insurer.

If you use your van or truck only for business purposes and there is no private use, then you should be covered. However, if you are using your vehicle for both business and personal tasks – perhaps you are delivering products to the shops in the evening after work – then it may not be insured against accidents caused when it is being used privately.

3 – Confirm The Policy’s Cover Limits

Even if your vehicle is covered by your commercial vehicle insurance, it will only be insured up to a specific sum.

You should check the limit of cover available on your policy and make sure that you are not uninsured for anything significant. For example, if somebody drives into the back of your van or truck – an all too frequent cause of accidents – damages can be significant. Some policies have limits as low as £1000.

4 – Keep All Documentation Of The RTA And Your Insurance

The most important thing to do after an accident is to secure all documentation that relates to it.

When you are negotiating with anybody involved in the accident, or mediating between them, then having all of this information will help you to reach a quick and advantageous settlement. This is particularly true if it can be shown that somebody else caused the accident, or you were fully covered by your commercial vehicle insurance.

5 – Call Your Insurance Company Straight Away

As soon as you know that there has been an accident involving your van or truck which may lead to claims against your commercial vehicle insurance policy you should call your insurer.

They will then guide you through what to do next, who to get in touch with about the accident, and how to protect yourself against any claims.

6 – Don’t Discuss The Accident With Your Insurer’s Claim Handler

If your insurance company’s claim handler calls you about your accident, it is best to avoid discussing anything with them until you have spoken to a legal representative.

This is because the insurance company’s claim handler may be working for the person who caused the accident and could try to encourage you not to make a claim. It is advised that you speak to someone about your options before taking any steps.

7 – Find A Legal Representative With Experience In Commercial Vehicle Insurance Claims

Being involved in an RTA with your commercial vehicle is a difficult time. There are many ways in which you can be at fault, or others may try to claim against you for the damage they have suffered.

It helps enormously if you find someone who has experience in commercial vehicle insurance claims and knows how to deal with these kinds of issues. This could be a solicitor or trade body who is experienced in this area – such as the Motor Accident Solicitors Society (MASS).

8 – Consider Making A Personal Injury Claim

As you may be personally responsible to other people for the damage they have incurred when your commercial vehicle was in an accident, you may decide to make a claim against their personal injury claims.

A solicitor can help you with this and – if you are successful – they may be able to take a cut of the payment that is made. This could help to reduce the amount that you need to pay out of any settlement or compensation which you receive.

9 – Use A Commercial Vehicle Insurance Claims Company

There are companies who specialise in helping people who have been involved in accidents with commercial vehicles to claim compensation.

They will negotiate the best deals for their clients, ensuring that they are not scammed by anybody else, and generally getting them the settlement that they deserve. This can be invaluable to you if you are not sure how to go about claiming yourself, or want to save time and effort.

10 – Consider Making A Claim On Someone Else’s Commercial Vehicle Insurance Policy

Depending on the circumstances of an RTA, it may also be possible for you to make a claim on someone else’s insurance policy.

If you were not at fault and somebody else was driving your vehicle, or if their vehicle is not insured to the same level as yours, then you may be able to get them to pay for your costs.

Do I really need to claim against my commercial vehicle insurance policy?

If you were at fault in the accident then it can be vital that you make a claim. Even if you feel like the damage is not worth claiming over, your insurer may cover any costs and pay out a settlement even if you don’t. Furthermore, your no claims discount will be affected which could make your insurance more expensive.

Do I need a lawyer to make a commercial vehicle insurance claims?

No – many people can do this themselves without having someone else’s help. While it is possible to save yourself a little bit of money and deal with this yourself, it’s not recommended. Accidents can be complicated and you may find that there are issues with the claim which you did not expect at all.

What if I wasn’t at fault?

If you were not at fault in the accident then it is still important that you make a claim. Not only will this ensure that your no claims bonus remains unaffected but you may be able to claim for any loss of earnings, fines or legal costs. In the worst cases, you may be able to claim for damage that was not your fault as well as costs that have accrued as a result of the accident.

On The Whole

Thanks for reading. Here are some last thoughts to make your insurance feel like a breeze! Comment below and share any tips or tricks you have that might save time, money, or just be helpful in general with the process of claiming commercial vehicle insurance. If there is anything we can help with–and believe us, we’re here to do it!–just let us know! We hope this article was useful and informative so you could better understand how easy it is to claim commercial vehicle insurance correctly.

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