The basic process is as follows:
- As it may affect the claim process, don’t move your car except for the following reasons:
- The police come and direct you to move it
- The cars are not badly damaged and it is entirely blocking the flow of traffic.
- Put your flashers on any other emergency road signs (if you have any) to prevent further accidents.
- Exchange contact details with the other party such as Insurance policies and phone numbers.
- Call your insurance company and they will send an agent as soon as possible and also call police or medical services if needed. Wait there for them.
- Once the agent comes, they will deal with the police (if any) and talk with the other party involved.
- The agent will check the car and make note of all the damages for both parties. Before you sign the claim paper make sure that it has all the damage listed that you want to have covered, otherwise it cannot be corrected later.
- If the car is driveable then you can drive the car and take the claim paper into one of the company’s approved garages to make an appointment for repair. Claim papers are good for up to 1 year. It's best to get it don’t before your policy expires though as you don’t want to have any existing damage if you should decide to change insurance companies (pictures are required for 1st class insurance).
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- If the car is not driveable then the insurance company will assist in getting a tow truck to take your vehicle to the closest approved repair garage to your house unless specified otherwise.
- If the incident happens at night you should get a taxi (grab) home and then contact the insurance garage the next day.
- If it’s during the day you could either go with the tow driver or take a taxi to the insurance garage to sort the repair appointment and time-frame out.
- If the car is not driveable then the insurance company will assist in getting a tow truck to take your vehicle to the closest approved repair garage to your house unless specified otherwise.
* If you should need help with the logistics of getting your car repaired you may want to consider our Insurance Garage Liaison Service. See details here.
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