What to do if somebody hits your automobile
So somebody’s ran into your automobile. You’ve stopped, switched off the engine, turned on the hazard lights and checked to see if everybody’s okay. What subsequent?
Name 999 if…
somebody has been significantly injured
you assume an offence has been dedicated
the incident is obstructing the highway or inflicting hazard to different highway customers
If there’s no emergency, what ought to I do?
Don’t admit any accountability for the collision. Keep calm and alternate contact particulars with the opposite driver or drivers concerned, ensuring you get their automobile registration quantity(s). Ask them for his or her insurance coverage particulars and provides them yours too.
If somebody who’s concerned gained’t let you know their title and tackle or they depart the scene earlier than you get an opportunity to ask, name the police on 101 whilst you’re nonetheless on the location of the accident. You must also name the police if a car is significantly broken and might’t be pushed safely.
Different issues price noting whilst you’re on the web site of the collision are the driving situations – such because the climate, lighting and highway high quality – any harm you’ll be able to see has been prompted to your car and the contact particulars of any witnesses. Take as many footage as you’ll be able to of any seen harm and make an observation of any minor accidents individuals have talked about.
You don’t must report a crash to the police in case you’ve exchanged insurance coverage particulars, no person was injured and there aren’t any allegations of driving offences. However you do must report the incident to your insurance coverage firm, even in case you’re not planning to make a declare.
Somebody hit my automobile – whose insurance coverage do I name?
You need to at all times name your personal insurance coverage firm as quickly as you’ll be able to – they’ll be eager to listen to from you inside 24 hours. They’ll take all the main points of the incident and cope with issues from there. Inform them in case you’ve taken photographs or you have got dashcam footage.
You need to let your insurer know what occurred even in case you don’t wish to make a declare. In case you’re planning to pay for repairs your self, it’s essential to make this clear and should even must put one thing in writing to substantiate this.
It may be helpful to jot down down the names of another firms your insurer tells you would possibly contact you – resembling an underwriter, repairer or substitute automobile supplier – so you realize who’re professional callers.
How do I declare on my insurance coverage if somebody hits my automobile?
Whether or not you’ve acquired a Complete coverage or third social gathering cowl, your insurer could make a declare in opposition to the motive force that hit you if the accident wasn’t your fault. In case your automobile was hit whereas parked or hit by an uninsured driver, you’ll want a Complete coverage that covers these occasions in any other case it will not be doable to say again the price of repairs from one other insurer.
Do I’ve to pay an extra if it wasn’t my fault?
You will have to pay an extra till your insurance coverage firm has confirmed that the accident wasn’t your fault or that you’ve got a legitimate uninsured driver declare. In case your coverage is due for renewal throughout this time, you might also quickly lose your No Declare Low cost.
As soon as the prices have been recovered and the declare resolved, these funds will usually be refunded and your No Declare Low cost can be restored.
What occurs when my automobile goes in for restore?
In case your insurance coverage coverage covers you for a assured substitute automobile, you’ll be provided one other car to get round in whereas your automobile is being mounted at an accredited storage. Learn extra about how Saga ensures to maintain you on the transfer in a courtesy automobile for the entire time your automobile is on the repairers.
Is there something I can do to assist keep away from highway visitors accidents sooner or later?
The amount of visitors on UK roads and the extremes and unpredictability of the climate can show difficult to even essentially the most skilled drivers. Plus, everyone knows how testing it may be driving within the interval after the clocks return within the autumn, when your regular commute would possibly abruptly be at the hours of darkness or when the solar is dazzlingly low within the sky.
In case you don’t really feel assured driving within the above situations otherwise you’d similar to to enhance your skill to anticipate what different highway customers would possibly do, a sophisticated driving course might assist. See our round-up of the most well-liked programs accessible within the UK.
A assure and a promise for Saga prospects
Saga’s automobile insurance coverage insurance policies are offered by quite a few insurers that every one meet our excessive requirements of high quality and repair. We’ve acquired 3 Complete cowl ranges at 3 totally different value ranges that every one embody our promise that you simply gained’t lose your No Declare Low cost or extra in case you’re hit by an uninsured driver and also you present their car particulars.
You’re additionally assured a courtesy automobile after a UK accident whereas yours is at an accredited repairer. See what else you would get with Saga Automobile Insurance coverage.
12/04/2023 102 n/a 0 828