The Do’s and Don’ts of Submitting Accident Details for Insurance | GVE London – Blog

There are not many experiences in this world worse than getting into an accident when you’re driving in your luxury or supercar, when you’re not at fault. Absolute frustration. If you find yourself in such a position, it is best not to lose your cool and follow the things we’re about to mention in this blog post in order to make the insurance claims process as easy and fair as possible. This guide outlines all the do’s and don’ts when submitting accident details for a non-fault accident claim.

Understanding Non-Fault Accident Claims

Let’s first understand what a non-fault accident claim is. So, as the name might suggest, such a claim arises when you’re involved in an accident wherein the other party is at fault or deemed responsible, to put it in more insurance terms. In these cases, your insurance company seeks to recover the costs from the insurance company of the party at fault. It’s crucial to understand that even in non-fault situations, the claims process can impact your insurance record.

The Do’s of Submitting Accident Details

• Report the Accident Promptly: The very first thing you must do is inform your insurer about the accident. Doesn’t matter whose fault it may be, timely reporting facilitates a smoother claim process and demonstrates your commitment to actually resolving the matter.
• Gather Comprehensive Evidence: In order to prove your innocence, your word against the other party unfortunately won’t hold up in court. You need photographs, eyewitness details, videos, recordings, police reports—everything you can manage to get.
• Choosing Your Preferred Repair Centre: You see, insurers might ask you to go with the garage they recommend, but the government gives you full right to choose your repair centre. High-end vehicles must only be repaired at select repair centres that have the ability to tend to the unique requirements of these complex machines.
• Maintain Clear Communication: You need an open channel for communication with your insurer, repair centre, and third-party representatives.
• Document All Correspondence: Documentation is tedious, but it’s essential and cannot be ignored. Retain copies of all communications, estimates, invoices, and receipts related to the accident and repairs. This documentation is crucial if disputes arise or additional information is requested.

Read Also: Avoid Claim Delays: How to Properly Document an Accident for Insurance

The Don’ts of Submitting Accident Details

Now, let’s talk about the common mistakes people tend to make. Here’s everything you must not do:

• Don’t Admit Liability at the Scene: You should avoid making any statement that could be interpreted as accepting fault. Even polite apologies can unfortunately be misconstrued during the claims process. Best let your lawyer, third-party insurance handlers, or company handle it.
• Don’t Delay Medical Assessments: If anyone is hurt, the very first thing to do is get them the medical attention they need ASAP. Everything else can wait. From the claims perspective, it also provides necessary documentation for injury claims.
• Don’t Settle Independently with Third Parties: It may initially seem like a tempting proposition to settle things privately. If the car in question is a high-end vehicle, it might not work out so well, and you might not even be able to cover all expenses. Always proceed through official insurance channels to protect your interests.
• Don’t Overlook Policy Details: Familiarise yourself with your insurance policy’s terms, conditions, coverage limits, and set expectations realistically. Having the knowledge of all your entitlements is the best way of getting whatever you’re owed.
• Don’t Hesitate to Seek Professional Advice: If you’re uncertain about any step of the procedure, consider getting professional help. GVE London, our luxury car repair centre, can help take care of a non-fault accident claim on your behalf.

Conclusion

Accidents are stressful, no doubts about it. However, if you know you aren’t at fault and have insurance, a clear understanding of the process helps make the claim much easier. Make sure no one is hurt, inform your insurance company, get all the evidence you can, and choose a supercar bodyshop like GVE London that actually has the right tools and specialists that can restore your car back to its original state without devaluing it. We handle everything from regular repairs and servicing to PPF, detailing, modifications, and more. Contact us today to learn more!