Car Auto: What To Do If You Have An Accident

Car Auto: What To Do If You Have An Accident
by Karl Bantleman

You hope it never happens but should the unexpected happen and you have an accident, ensure you know the what you need to do to make the claims procedure go as smoothly as possible.

During the process of finding cheap car/auto insurance, one of the choices you will make is the amount of excess. This is important because if you have an accident, your insurer will tell you which garage to go to in order to get your car fixed, where you will have to pay for the excess. If the accident was not your fault, then your insurer will reimburse you.

In the event of an accident, 75% of people will automatically apologise for the crash, even if it wasn't their fault, but if you can avoid this because this means you are liable for the accident and will lose your no-claims discount on your car insurance. However, if you do it is not binding and although the other driver will no doubt point this out, your insurer will check this from your account of events.

One thing to remember is; if you go into the back of somebody's car, you will be held responsible even if you had kept your distance. This is unfortunate as the driver in front may well have been at fault but the majority of insurers will see it as your fault.

Before calling your motor insurance provider, ensure you have all details possible from the other driver as this is vital information that your insurer will need to process the claim. Take down the model, make, registration number and even colour of the car, there are around a million uninsured drivers on British roads and if you are hit by one you will have to pay, but the police may be able to track down the driver.

As long as both drivers are insured and the accident was only minor, the claim could be finalised within a couple of days. Make sure you are insured should the unexpected happen, shop online for the best deals and have piece of mind when you're on the roads.

If you have an accident your motor insurance provider will want to know everything so make sure you have all the details. With car insurance, always double check everything to ensure you can find the best cheap car insurance package for you.