Ensuring clarity in the event of an accident
When an accident occurs, the Coverbox in-car smart technology helps us to help you. The information collected around the time of the incident can help your insurer settle the claim quickly and reduces the potential for the claim to be disputed. The facts will be clear to the insurers and if you were not at fault you won't lose your No Claims Discount or have to pay the Excess.
However, even before you contact your insurer to report an accident there are a number things you need to do - from the first moments after the incident.
First things first - in the event of an accident
It is vital that you always stop if you are involved in an incident, no matter how trivial it might seem. Under the Road Traffic Act is an offence to fail to stop at the scene of an accident, just as it is an offence to fail to report it to your insurer.
Once you have stopped, check to make sure that no person is injured – including the occupants of both your car and any other vehicles involved. If someone has been hurt, call the emergency services; police and ambulance.
Once this priority check has been carried out check for damage to all vehicles involved, as well as to other objects in the vicinity of the accident – for example, houses, road signs or bollards.
In the event that someone has been injured or a car or object has been damaged, exchange vehicle registration numbers and other identifying details with those involved. If you do not feel comfortable doing this, contact the police within 24 hours to ensure they receive these details.
If a person has sustained injury, you must display your certificate of insurance to the authorities - if you do not have the document with you, take it to the police within 24 hours.
Remember, failure to report an accident to your insurer within a reasonable timeframe can invalidate your cover, even if you do not wish to make a claim yourself.
Lastly, although the Coverbox black box records vital details relating to the circumstances of a road accident – for example facts related to location, speed, braking, cornering and acceleration – it is always a good idea to gather as much information as possible. This means; the time the RTA took place, location, weather and traffic conditions of the incident, including photographs of the cars and location if possible, as well as any other observations that might prove helpful to the claims process, such as witnesses.
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