Being involved in a car accident can certainly be an overwhelming experience. In the midst of dealing with bodily injuries, property damage and accident claims, it can be hard to know where to begin and what needs to be dealt with first. One of the most commonly asked questions after a car accident would be “how do I make a car insurance claim?”. If you have recently been involved in a car accident and wish seek compensation for your injuries, read on to find out more about the steps you should take in making a car insurance claim.
Gather details of every person involved in the car accident
Where a car accident has occurred, any evidence that an injured party can gather is helpful in establishing a claim for compensation. Therefore, parties involved in the car accident should always exchange their details after a car accident occurs. You should try to obtain critical details such as:
- The registration number of the car that caused the car accident
- The other driver’s insurance details
- The other driver’s contact details
- The contact details of any witnesses to the car accident
There may be some circumstances, such as a hit and run accident, where you are unable to identify any details of the other car. In such cases, you should ask the police or any witnesses if they were able to obtain any details. If no information is still able to be obtained, the injured party should consider filing a claim under the NSW’s Nominal Defendant scheme.
Seek medical attention
It is important to ensure that any injuries sustained from the car accident are assessed by a medical practitioner. Even if you feel as though you have not suffered any harm, sometimes injuries can take time to appear and seeking medical attention can help to determine if any future medical treatment or ongoing care is required. This is not purely for health reasons, but also because evidence of medical records and receipts are required should the injured party wish to claim compensation for them. Therefore, all parties involved should seek medical attention soon after the accident occurs, and be sure to keep any related medical records and receipts, as these will be required for any future claims.
Report the car accident to the police
Parties involved should report the car accident to the police as soon as possible after it has occurred. If there is a failure to report the car accident within 28 days to the police, you will be required to justify this delay when making any insurance claims in the future. Parties should also ensure that once they have reported the accident, they have received an event number from the police as this number will be required for future claims.
Determine who you will make the car insurance claim to
A car insurance claim is a means for those who have been injured in a car accident to receive compensation for their related injuries. Any party injured in a car accident is eligible to claim road accident compensation – this includes any drivers, passengers or pedestrians.
Under the Compulsory Third Party (CTP) insurance scheme, all car owners in NSW are required to have CTP insurance. Thus, all car insurance claims can be made against the insurer of the driver who was at fault for the car accident. Therefore, it is imperative that you find out who the other driver’s insurance company is.
Lodge an accident notification claim
An accident notification claim must be lodged with the CTP insurer of the negligent driver, within 28 days of the car accident. For this claim, you can receive up to $5000 in compensation for expenses incurred up to 6 months after the car accident occurred.
Lodge a personal injury claim
A personal injury claim must be also be lodged with the CTP insurer of the negligent driver, and within 6 months of the car accident. This claim is for when the injured party expects their expenses to amount more than $5000, or that their recovery time will exceed 6 months.
What you can receive compensation for
If your car insurance claim is successful, you can receive compensation for:
- Medical, rehabilitation and hospital expenses
- Replacement or repair of damaged property
- Home modification and attendant care expenses
- Loss of earnings or earning capacity
- Pain, suffering and loss of enjoyment of life (if the injured party has suffered a whole person impairment over the 10% threshold)
For more assistance on making a car accident claim, contact Schreuder Partners today.