Car Insurance Faqs
what should I do immediately after an accident?
- Try to stay calm - don't panic. Switch off the ignition, and activate emergency hazard lights. Check to see if anyone is injured, and if they can be assisted immediately. Keep yourself and others off the road.
what if someone is injured in an accident?
- Dial the emergency service Number 000 (free call) and ask for either ambulance, or police, in order of urgency. Be prepared to tell the emergency service:
- It's a car crash
- Where it's located
- How many people are injured
- Your name
should police be notified after an accident?
- Police should be notified if a person has been injured or killed or if there is damage to property or livestock and the owner is not at the scene.
what are my responsibilities to the other driver after an accident?
- Exchange names, addresses, registration numbers and insurance company details. Do not admit liability for the accident, or blame yourself publicly (this is for your own protection should legal considerations be raised).
what are my legal obligations after an accident?
- You must stop if you are involved in a motor vehicle accident.
- You must provide your name and address to other people involved.
- You must report the accident to the police if there are personal injuries or damage to property whose owner is not in attendance.
- You must not drive away from a motor vehicle accident in an unroadworthy vehicle.
how do I know who is at fault after an accident?
- Do not admit liability for the motor vehicle accident, or blame yourself publicly (this is for your own protection should legal considerations be raised).
Contact your insurer at your earliest opportunity. They will work with all parties involved in order to determine responsibility.
How am I assured of a fair decision when I make a claim?
- Reputable insurers support the General Insurance Code of Practice. The purpose of the Code is to raise the standard of practice and service in the general insurance industry. If we refuse your claim, you may refer this decision to our enquiries and complaints manager, who has an independent decision making authority. If this does not resolve the matter, you may contact the industry's independent external complaints scheme, the Insurance Ombudsman Service.