Accidents happen, even to experienced drivers… and when they do happen, they’re often overwhelming.
If you end up in a car accident, even a minor one, it’s reassuring to know what to do and what information you need to make an insurance claim.
This easy, 5-step guide is designed to act as a guide when things go wrong. Of course, in the case of a serious accident, call 000 first.
Step 1: Breathe, and check if everyone is OK.
The immediate aftermath of an accident can be overwhelming. Take a moment to breathe deeply and stay as composed as possible. Start by checking yourself and others involved for any injuries. Safety should always be the primary concern. If there are any injuries requiring medical attention, promptly call emergency services.
Step 2: Move to somewhere safe.
If your vehicle is movable and not causing an obstruction, try to move it to a safe area away from traffic. Turn off the engine to reduce the risk of fire and activate your hazard lights. If there are debris or potential hazards on the road, and it's safe to do so, clear them to prevent further accidents. In cases where you're unable to move your vehicle or debris, seek assistance by contacting emergency services.
Step 3: Swap details with the other driver.
Exchange necessary details with the other party involved in the accident. The information you should record includes the following:
- Name
- Vehicle registration number
- Phone number
- Residential address
Taking photos of the scene, including the vehicles and any visible damages, can also be beneficial for documentation purposes.
Step 4: Report the accident to the police.
If the accident involves significant damage or injuries, it's important to report it to the police. An official police report can be crucial when filing an insurance claim, especially for more serious incidents.
Step 5: Contact your insurance provider to make a claim.
After ensuring immediate safety and reporting the incident to the authorities, promptly inform your insurance company. Providing them with accurate details and a timely notification about the accident will smoothen the claims process. You can call Club 4X4 Insurance 8.30am – 5.30pm AEDT, Monday to Friday on 1300 296 296 or submit a claim form online and one of our team will be in touch.
Remember, while these steps provide a general guideline, each accident is different. If you’re unsure what to do, or the situation is getting complicated, it’s best to seek legal or professional advice. Although having car insurance won’t prevent an accident, it may cover you financially if your vehicle is damaged or if you damage someone else’s vehicle or property.
At Club 4X4 Insurance, we offer comprehensive insurance for 4X4S, caravans, camper trailers and slide-on campers; plus, you can start your claim online 24/7. Learn more about car insurance or get a quote.
