Although it’s something that businesses won’t want to think about, it is possible they will have to make a claim on their motor insurance policy at one time or another.
Accidents and unfortunate incidents can happen at any time, so not only is it essential you have the right motor trade insurance in place, but you should also be aware of the procedures you need to take in order to make a claim.
As it is an event that should be very rare in your motor trade career, it is possible you simply don’t know what to do. However, you should always remember to stay as calm as possible following a traffic collision or an accident at premises.
Here is a rundown of the steps you could take before calling your broker to tell them what has occurred.
Do not admit liability
After an accident has occurred, don’t take responsibility for it. This could possibly affect the chances of a claim.
When it comes to defining who was at fault for the incident, the insurance company will handle this.
Instead, simply take these next steps while avoiding any admittance for culpability.
Take photos at the scene
Most of us will have cameras on our mobile phones, so it should be relatively easy to take some pictures of the incident.
Get as many angles and viewpoints as possible, as this will help the insurer as they attempt to understand what happened, and figure out how much money you are entitled to as part of your claim.
Make sure you send these to your broker’s claims department as soon as possible, as this will help to get the ball rolling.
Take down vehicle registration numbers and personal details
If it is a traffic accident, regardless of a vehicle’s role in an accident or incident, ensure you make a note of the registration plates of all the cars and other motors that were involved.
This is important for your own personal records, as well as those of your insurer and possibly the police if it was a very serious incident.
For traffic accidents and all other incidents, make sure you get the contact details and insurance information of any other person who was involved in the accident. Make sure you acquire phone numbers or email addresses of any eye witnesses who could help to explain what happened.
Call ChoiceQuote motor claims department!
Make sure you get in contact with the claims department at ChoiceQuote as soon as possible. They will guide you through the necessary procedures step by step.
Your broker will give you honest, impartial advice about what to do and will help in processing your claim to an insurer.
Remember, you will only receive a payment from your insurer if you have the appropriate cover in place. It is therefore essential that you contact a broker when first trying to obtain a policy, as they make sure you have all bases covered when it comes to your motor trade insurance.
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