Car Accident And Insurance Claim
Car Accident And Insurance Claim. Get in touch with our specialist car insurance accident team today to make sure that you get the best possible care, advice and support following your accident, as well as making sure that you get the right level of compensation when it comes to making an insurance claim.
We are one of the leading claims experts in Scotland, so you can rest assured that you’re getting all the help and guidance you need from the very beginning of your claim process, which could be days or even weeks after your accident.
Insurance companies are notoriously difficult to deal with, especially after you’ve been involved in an accident.
That’s why at HD Claims we exist to make your car insurance claims process as painless as possible.
We offer free 24/7 support and a claims assessment by one of our leading experts, so if you’ve been involved in a road traffic accident and need help, call us today on 0141 280 1112 to start your claim now.
Have you been involved in a car accident?
If you have been involved in an accident, there are a few things you should do.
First, try to stay calm and assess the situation at the side of the road.
Second, call the police and file a report. Call the ambulance is someone in the accident is seriously injured.
Third, take pictures of the damage and get the contact information of any witnesses, and exchange phone numbers.
Fourth, notify your motor insurance company.
Fifth, follow up with your insurance company to make sure your claim is being processed.
Sixth, fill out a car accident claim form if your insurer requires it.
Seventh, if you need assistance with filing the form, give us a call.
Eighth, Contact a personal injury solicitor who can deal with you injury claim.
How long after a car accident can you claim for damage to car?
In the UK, you have three years from the date of the accident to make a claim for damage to your car. If you wait longer than this, you may not be able to claim. If you’re not sure whether or not you can claim, it’s best to speak to an expert who can assess your case.
After an accident, take photographs of the damage and obtain witness information. These will help support your claim. The sooner you get these done, the more likely you’ll be successful in making a claim.
Remember that if there was someone else involved in the accident they’ll need to provide their insurance details too if they were at fault.
Contact HD Claims for free information on what you can claim on car insurance after an accident.
What items can you claim for in a car accident?
You may be able to claim for:
Loss of earnings – If you had to take time off due to an accident, you may have lost a portion of your income. Fortunately, this money can be recovered. This can also involve overtime pay or profit loss for self-employed individuals.
Out-of-pocket expenses – You can make a claim for any out of pocket expenses that you have incurred as a result of the accident. This could include damage to clothing, personal belongings, physiotherapy,
Medication costs – As a result of an injury, you have the right to recover the cost of any medications you’ve had to purchase.
Travel expenses – If you have incurred travel fees in order to attend medical appointments, you can reclaim these costs.
Receipts should always be kept, as insurers typically do not cover travel expenses if they cannot be given.
If you take a cab, get a receipt written on the driver’s business card. Additionally, you should retain any rail or bus tickets.
Vehicle related losses – If your car was damaged in the collision, you can file a claim for the cost of repair or replacement, as well as any insurance excess you had to pay.
Be sure to keep all receipts and documentation related to your accident and expenses.
When filing a claim, your insurance company will need this information.
If you’re not sure about any step in the process, call your insurer or speak with an independent claims expert.
Remember that you don’t have to file a claim yourself – you can always go through an independent claims expert who deals with claims on behalf of the insurance company.
Can I claim if car accident was my fault?
To be eligible for compensation, you must demonstrate that the accident was the responsibility of another person or entity.
If the car accident was entirely your fault, it is extremely unlikely that you may file a claim. However, if you were partially at fault, you may still be able to file a claim.
Do you have to inform your insurance company if you have an accident?
Yes, if you’ve been involved in a car accident, you must notify your insurer.
You should submit a letter to your insurance informing them of the situation.
However, make it very clear that this is for informational purposes only and you are not making any claims.
Do you have to go through insurance after minor accident?
Drivers must carry valid insurance that protects you in the case of property damage or bodily harm.
When it comes to a little scratch or blemish, drivers may assume it’s not worth notifying their insurance carrier.
Instead of filing a claim with the insurer, the parties may agree to settle the matter privately.
Do I have to pay my excess if someone hits me?
One of the most common questions we get asked is whether or not you have to pay your excess if someone hits you. The answer is usually no, but it depends on your insurer and your policy.
If you’re not at fault for the accident, your insurer may waive the excess fee. However, if you are at fault, you will likely have to pay the excess. If you’re not sure, it’s best to check with your insurer or read through your policy documents.
You’ll need to contact them as soon as possible after an accident so they can begin their investigation. You’ll also need evidence such as photos, police reports and witness statements before you can start an insurance claim.
How long does an insurance company have to investigate a claim?
If you’ve been in a car accident, you’re probably wondering how long the insurance company has to investigate your claim. The answer is, approximately 30 days.
However, this time frame can vary depending on the severity of the accident and the amount of damage involved. If you have any questions about your claim, be sure to contact your insurance company as soon as possible.
In addition, make sure that you keep all of your documentation pertaining to the accident (e.g., police report, medical records).
How much does a claim affect car insurance?
No matter who was at blame, filing a claim will almost always result in an increase in your car insurance premium.
Fortunately, a no-fault claim has less of an impact than a liability claim. Even if you do not file a claim following an accident, your rate may increase.
Claiming after car accident
Do you know what to do after a car accident?
It’s important to know the car accident claim procedure, as well as what you can and can’t claim on your car insurance. Our claims experts have put together a guide on the car insurance claim process in the UK, so you can be prepared in the event of an accident.
The knowledge is useful for both new and experienced car owners.
If you’re involved in a car accident, it’s important to stay calm, call 999 if anyone is injured or requires emergency assistance.
Get the names and contact details of any witnesses that were at the scene with you – they may be able to provide valuable information about what happened.
Keep your car keys safe and don’t let them out of your sight.
Take photos (or video) of the damage to all vehicles involved, including their registration plates, which will come in handy later when making a car insurance claim.
Finally, take note of any symptoms you’re experiencing following the car accident; whether you’ve been hurt or not, we recommend getting checked out by a doctor within 24 hours as this could be useful later too when making a car accident insurance claim.