OneInsure Blog

21-09-2017-01
Car Insurance

We hear and read about incidents involving car accidents almost on a regular basis now. If you open today’s newspaper, there’s bound to be at least one story about some vehicle collision. When the risk is right there, wouldn’t you want to be prepared to handle the situation peacefully? In this article, we will cover the steps you need to take following an accident - and trust us, these will make it easier for you when you have to file a car insurance claim.

  • Report the accident to the police - In the event of a major car accident, the most important thing you need to do is report the accident to the police. Your insurance company will require a police report when losses sustained in a car accident are significant. See to it that you don’t attempt to change anything about the accident scene as that could land you in trouble.
  • Take pictures of damage caused - As you wait for the police to arrive, take pictures of the accident scene and capture images of the damages sustained. If you don't have a digital camera, use your cell phone camera. You can also record videos. Pictures play a crucial role while submitting insurance claim. They may help in getting your claim settled faster. The pictures of the accident scene can help eliminate doubt (if any) and assign liability to the individual who is truly at fault.
  • Collect contact details of witnesses - Get the names, telephone numbers and addresses of individuals who witnessed the accident. Usually when a car accident claim arises, one of the first questions an insurance adjuster will ask is if any witnesses other than the drivers were present. In case of discrepancies between the accounts of the two drivers, the adjuster will decide which version to support based on the testimony provided by the witnesses.
  • Contact your insurance company - Let your motor insurance company know about the accident as soon as possible. While filing a claim, you will need to let your insurance company know about the extent of loss you have suffered. Don’t lie to your insurer with the hopes of getting them to pay out more. If they find out you’ve been lying, you can end up in major trouble.

Car accidents can take a major toll on everyone involved. In the event of an accident, knowing what the right measures to take can help ensure your rights are respected. We, at OneInsure, completely understand that moments like these can be quite stressful so reach out to us and we will help you through the claims process.

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