Claim Advice

How to Report Your Car Accident to the Insurance Company

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 first things to do after a car accident would be to report the car accident to your insurance provider and make an insurance claim. They will then be able to investigate who was at fault for the accident and who should pay for damages. If you have recently been involved in a car accident and wish to seek compensation for your injuries, read on to find out more about reporting a car accident and what you should say to the police when reporting it.

Collect details at the scene of the car accident

Where a car accident has occurred, any evidence is helpful in establishing a claim for compensation. Therefore, parties involved in a car accident should always exchange their details after a car accident occurs. You should try to obtain critical details such as:

  • The other driver’s name and contact details
  • The owner of the car (if not the same as the driver)
  • The other driver/owner’s insurance details
  • The year, make, model and registration numbers of the cars involved
  • The names and contact details of any passengers
  • The names and contact details of any witnesses to the car accident

There may be some circumstances, such as a hit and run, 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 you are still unable to obtain any information, the injured party should consider filing a claim under the NSW’s Nominal Defendant Scheme.

Make an insurance claim as soon as possible

There can be strict time limits as to when you can lodge an insurance claim, and these time limits can differ depending on the type of accident or insurance policy you hold. To ensure that you have not run out of time to lodge a claim and miss the chance to receive compensation, you should endeavour to quickly lodge a claim with your own insurance provider, as well as the other driver’s insurance provider if they were at fault.


Do not make recorded statements

You are not obligated to make any recorded statements to any insurance company. Therefore, if recorded statements are requested it is best to decline as these statements will be used as your verbatim account of the accident and may not be favourable to your claim if you should accidentally say the wrong thing.

Remain honest throughout the process

Lying to an insurance provider about certain details can prove to be a costly mistake and can result in a refusal of your claim or even serious legal action. Insurance companies have many mechanisms of determining the true story of events in regards to an insurance claim – including contacting witnesses, or accessing surveillance footage. If your story does not add up, there is a chance that the insurance company will catch you out.

Do not speculate

You should never feel the need to speculate about things you are unsure of. The insurance company may attempt to confuse you by asking questions that you do not know the answer to, such as asking for a self-diagnosis of injuries or how much compensation you think you are entitled to. In such cases, you should simply state that you do not know or that you are not qualified to answer, instead of offering speculative answers.

Know your worth and don’t feel obligated to accept the first offer

You should know how much compensation is fair for your situation, as insurance companies tend to offer a low compensation settlement from the start. In fact, it’s not uncommon for insurance companies to offer you a quick settlement in the hope that you will not realise the full extent of your possible damages. Therefore, don’t feel pressured to take the first settlement offer the insurance company gives you. If you are feeling pressured, you can always ask the insurance company to send you a settlement offer in writing, so that you won’t feel the need to make a decision immediately.

Seek legal help from compensation experts

Personal injury lawyers are qualified professionals who are constantly dealing with the insurance claim process. It is worth considering hiring a compensation lawyer as this insurance claim process can be highly complex and hard to comply with for those inexperienced in this area. Compensation lawyers can also help to negotiate with your insurance company on your behalf, and help to pursue legal action where necessary.

For more information about car accident insurance claims, contact Schreuder Partners today.

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