So you've had an accident. What happens next??
Is 2014 the Australian Academy of Science estimated that there were 17.6 Million cars registered in Australia (population of 23,5M) and the average distance travelled by each car per year was 15,500kms. The cost of car accidents in that year was estimated at $27 Billion. That should be incentive enough to make sure you have the right cover while on our roads
So you've just had an accident, What should you do first
first thing is make sure you are safe. Pull into a safe area to stop your vehicle. Turn your vehicle off - that sounds logical, but you will be surprised how many in shock leave the car running.
make sure there is no one seriously injured, if there is contact emergency services on 000 immediately. If there is only minor injury the police should be called to attend. Even if it is a minor dingle - say like a shopping centre carpark knock, you should still file a police report even if the police do not attend. Insurers typically like to have those police reports.
exchange information with the other driver
*name(a quick snap on your phone of licence details)
*name of car owner if they are not the driver
*names and contact details of any passengers
*registration details of the other car involved
*insurance details of the other driver
Photos of the accident scene if it is safe to take photos
get details of any witnesses at the scene
contact your broker. It's important to contact your broker, even if you are unsure if you will need to claim eg if you are not at fault, it is still best to keep your broker up to date with the incident
How to lodge a claim
Lodging a claim is made simple by your broker. He/she will ask you for all the details you collected above. Given those details they will then lodge on your behalf. Your broker will manage the claim and keep you updated of progress. They take all the stress out of the claim process. They will prompt you with any further action required on your part
So sit back relax knowing your broker has got you covered