If you or your property are damaged or hurt in a road accident, you have the right to make a claim to cover the damages. It is important to obtain as much information as possible when you are involved in the accident. If you are too injured, or in shock after the accident, you may be able to gather more information by returning to the scene of the accident at a later date. It is advisable to have a pen and paper available in your car at all times and also a camera of some type on hand to take photographs at the scene, in order to provide accurate proof of the accident.
If you are suffering from pain or dysfunction after the accident it is important to receive medical attention as soon as possible, so that the treatment you are given is documented and therefore provable when the time comes to lodge a claim. This ensures that you can prove that you received the specified injury in the accident and also helps establish that the correct amount is awarded to the accident victim.
Documenting how, when and where the accident occurred as well as details of the drivers, passengers and any pedestrians, whether involved in the accident, offering first aid or simply onlookers is vital when making a road accident claim. Contact details including, names, addresses and telephone numbers of the drivers and anyone else who witnessed the accident should all be noted.
Vehicle details such as the make and model, as well as the registration number, colour, whether the vehicle is signed as a work vehicle and any modifications made to the vehicle all help to establish that your claim is against the correct person. The insurance details of the other driver should also be noted and passed on to your own insurance company.
It is illegal to refuse to give details to the other driver when there has been injury or property damage incurred in an accident. It is important to advise your own insurance company that you have been involved in an accident as soon as possible if there is property damage or injury incurred in the event. There may be a time period noted in the policy for you to advise them and if this is not adhered to they may refuse to insure you.
Other details that may be needed to successfully make a road accident claim could be the road conditions, including markings, signals and anything on the road that may have caused an obstruction. The type of road you were travelling on as well as estimated speeds of the vehicles involved should also be noted. The weather conditions at the time of the accident as well as visibility and lighting conditions are also advisable to note.
The name and number of any police officer attending should be provided along with details of any other emergency services at the scene should also be noted. The damage to each vehicle and the injuries sustained by yourself and anybody else injured in the accident should be noted along with a photo, if possible, of the damage to vehicles and/or property.
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