Avoid Claim Delays: How to Properly Document an Accident for Insurance | GVE London – Blog

Back in the day, when an accident happened, it was very hard to really document everything. Imagine whipping out a notepad and a fountain pen and jotting down all that transpired. Thankfully, things have changed. Unfortunately, accidents still happen, and they’re as stressful as ever. To make the post-accident process easier for your car and yourself, you need to document everything properly. The last thing you want to deal with is the stress of going back and forth for your insurance claim. Here’s how to get it right the first time.

The Importance of a Detailed Incident Report

As soon as an accident occurs and you get back into your senses, write down everything you remember. This includes details such as the time, location, weather conditions, people involved, and statements by other drivers. The smallest details matter.

Inform your insurance provider ASAP, as some policies require reporting within 24 hours. Failing to do so might lead to delays or even a rejected claim.

Immediate Steps After a Non-Fault Car Accident

Let’s walk through the actual scenario of an accident. The very first step is ensuring everyone is safe. If someone needs medical attention, get them that first. Once it’s clear that everyone is alright, start gathering evidence. Many claims are delayed simply because drivers fail to collect enough proof at the scene. If you’re wondering how to claim a non-fault accident without delays, it starts with solid documentation.

Call the Police (If Necessary)

In the UK, if an accident occurs where someone is injured or there is significant damage, the police must be informed. A police report also adds credibility to your non-fault car accident claim.

Gather Evidence at the Scene

Obviously, the more proof you have, the smoother your claim will be. After ensuring everyone is fine and informing the police if needed, start gathering evidence. Here’s what to prioritise:

• Take clear photos and videos of the vehicles, damage, road conditions, traffic signs, and the entire scenario.
  
• Record statements from eyewitnesses, along with getting their names and contact information if possible.
  
• Note the other driver’s licence, insurance, and registration number.

Read Also: What’s the Difference Between a Fault and Non-fault Claim?

Common Mistakes That Cause Delays

Delays for a non-fault claim are commonplace when the following mistakes are made:

• Not having enough evidence, whether it be witness details or a lack of photos and videos.
  
• If your report differs from the police statement, the insurer may need to investigate further. This isn’t a clear rejection but causes delays.
  
• Delays in notifying the insurer also make things complex, so it’s best to do it ASAP.
  
• It is best to let the insurer gather evidence and determine who is responsible rather than admitting fault out of panic.
  

How a Supercar Bodyshop or Luxury Car Repair Centre Can Help

If you have a high-value vehicle and have been in an accident, it is best to select a luxury car repair centre or supercar bodyshop like GVE London of your choice. Insurers often recommend their own approved repair centres, but you’re not obligated to go there. Go to whomever you trust to restore your vehicle to its original condition whilst also providing proper documentation of the damage and repairs. This can be crucial if the insurer needs additional verification before processing the claim. 

Conclusion

If you’re unfortunately involved in an accident where you aren’t to blame, worry not. Follow the steps mentioned in this blog post: ensure everyone is fine, gather evidence, and file your non-fault accident claim. If you’d like to take the hassle out of the entire ordeal, GVE London, our supercar bodyshop and accident repair centre, is here to extend its services. From handling the claim to restoring the vehicle back to its original condition to repairs, modifications and detailing , our team can take care of it all. Give us a call or head over to find out more!