Accident – what do I do?
What do I do? Who do I call? Have I got time to sort this out?
These are some of the questions you will ask yourself if you are unfortunate enough to be involved in an accident.
If an accident happens you need independent help from Your Key on 08000 114 114. We will answer your questions and sort out everything for you. We will notify your insurance company, sort out your vehicle needs, and if you are unfortunate enough to be injured we will arrange for an experienced personal injury solicitor to seek compensation for you.
Many people involved in an accident call their own vehicle insurer first, but this is not always the best answer.
If you have caused an accident then your insurer is important. Your insurance will cover third party losses, which means pay for the damage you do. But do not be too hasty. You may only be partly to blame, and if you are that means someone else is partly to blame, and in that case you could still recover some of your losses and claim compensation for an injury.
Don’t try to judge the situation yourself, call Your Key on 08000 114 114 for that all important independent advice.
You must tell your insurer about an accident, but let Your Key do that for you. We know the ropes and will save you hassle.
If you have comprehensive insurance you might think you have all angles covered. Comprehensive insurance means third party cover plus your own vehicle is insured, regardless of fault, up to its market value at the time of the accident.
If someone else is to blame for the accident it is a mistake to claim on your own comprehensive insurance policy. Your insurer will repair or pay up for the market value of your written off vehicle, but your insurance premium will increase and your insurance record will show that claim for at least five years. Do not assume your own insurer will chase the party at fault for an accident, as some do and some don’t. Do you want to pay for the cost of an accident which was not your fault? Much better to direct the claim to the insurer of the party to blame from the outset. You must report an accident to your insurer, but they do not have to play a part in sorting out the accident problems. That is the role of Your Key, so make sure Your Key is your first call.