first call after an accident
July 12th, 2010Why you should contact Your Key first after an accident?
Most people involved in accident turn first to their insurance company or broker. We ask is this the right thing to do?
First and foremost you need independent expert advice. Your insurance company is there to do a particular job, but it is not an adviser, and it is not your representative.
Your insurance is in place to cover your liability to third parties. That means you must have insurance to cover the damage you do through your own fault.
You might have bought extra cover such as fire and theft, or fully comprehensive to include your vehicle. Fire and theft say what they mean, but fully comprehensive is not so clear. Fully comprehensive means the property insured will be covered by the policy regardless of who is to blame for an accident.
If the accident is not your fault it is not a good idea to claim on your own insurance policy. It is much better to claim from the person who caused the accident. We say this because if your insurance company pays out your insurance record is blemished, and it makes no difference if someone else was at fault.
Your insurance company will not necessarily try to recover the cost from the person at fault. Some do and some don’t. Like we say above your own insurance company is not your representative.
It is confusing, and that is why Your Key is here to help.
You should tell your insurance company about an accident, but we suggest you contact us first, and if we can help we will contact your insurance company and report for you. If the incident is one for your insurance company to deal with we will tell you.
Look after your insurance record and take care.
from work and into the weekend. Drivers do not always see riders, but drivers in a hurry are even less likely to see you. Use all of your roadcraft, take it easy, and be seen.![[your key]](http://www.yourkey.info/frontend/wordpress/wp-content/themes/frontend/images/header_left.png "Go to the Your Key home page")
