How to File a Motor Claim: A Step-by-Step Checklist
The hours after an accident are stressful. A simple checklist helps you protect your safety, comply with policy conditions, and speed up settlement.
Immediately after the incident
- Ensure everyone is safe; call emergency services if needed.
- Do not admit fault in writing or verbally beyond exchanging details.
- Notify your insurer or broker as soon as reasonably possible—many policies have time limits.
Documents that help most claims
- Claim form (duly completed)
- Police abstract where applicable
- Photos of damage, scene, and registration plates
- Repair estimates from approved garages when requested
Remember: Silent exclusions often relate to late notification. When in doubt, call first and email a short note the same day.
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