Top 5 Things to Consider When Filing an Accident Insurance Claim | GVE London – Blog

Filing for an accident insurance claim after being in one is quite a struggle, one stressful situation after another. It is daunting, it is a drag, all of us can agree to that.  It is made doubly worse since you file it after an accident, an already tragic event, be it a serious collision or a minor fender bender.  The process is always confusing and is far from a fun and smooth. However, allow us to try and make it easier. If you’re wondering how to claim for a non-fault accident or dealing with a non-fault car accident claim, these tips will help guide you through the process.

Understanding a Non-Fault Accident 

Before we begin, let’s first clarify what a no-fault accident is, as you can only file a non-fault claim in these cases. Imagine driving down the beautiful streets of London, listening to some Floyd, and suddenly, some lad comes the wrong way and rams into you. Clearly, this isn’t your fault. The entire accident happened because of the other party’s reckless behaviour. This concept goes beyond just reckless driving. For example, if a car’s brakes fail and it rear-ends you, even though you aren’t at fault and the driver behind you isn’t either, this would still be classified as a non-fault accident.

Understand the Basics of a Non-Fault Claim

You must have a clear understanding of the situation at hand and what a non-fault accident claim really is. We just explained it above but to really drive the point home, a no-fault claim occurs when you’re not responsible for the accident. If you are involved in one, you are entitled to be compensated for vehicle damage, personal injuries and other losses that you have endured.

Evidence is Necessary

Remember, evidence is what proves your innocence. The more evidence you have, the stronger your case will be. Take photos, make videos, get audio recordings, gather witnesses; whatever is possible in that moment.

Know Your Insurance Policy

It is best to have a thorough understanding of what your insurance policy actually contains before you file for a non-fault claim. See, for the most part, most policies do not charge you excess or affect your premiums in the future but some do. It is important to know all this before hand.

Read Also: Finding the Best Repair Centre for Non-Fault Accident Claims

Choose the Right Repair Centre

The thing with expensive vehicles is that not only are they fixed at a premium price tag, but they cannot be fixed by just anyone. You really can’t drive your Martin to any other garage down the road. If you’ve been unfortunate enough to get into an accident, it is important to take your luxury or supercar to a repair centre that specialises in these cars. A supercar bodyshop or luxury car repair centre like GVE London will have the tools and employees required to bring your car back to its former glory. On the other hand, settling for an insurance-recommended garage can end up damaging your car in the long run, as they often lack the tools and knowledge to properly tend to the complexity of a high-end machine.

Work with Your Insurer and Keep Track of All Communications

Ensure that you stay in regular contact with your insurance company and insurer and they provide you with follow-ups on the progress of your claim. Keep a record of all the communications, including emails and phone calls. In case there are any issues or delays in your non-fault accident claim, you have a clear trail of documentation to refer to.

Conclusion

When you know what to expect and how to go about it, filing for a non-fault claim becomes a lot less stressful. However, remember, that the more evidence you have, the better your chances of getting your claim approved. Furthermore, for the repair or service of high-end vehicles, choose only a reputable supercar service centre like GVE London. We handle everything from regular repairs and servicing to detailing, modifications, PPF, and more. Contact us today to learn more!