What to do in case of a car accident? What are the steps to take with your insurer? Here is a guide that explains in detail what to do if you are a victim of a road accident. The report of a car accident is essential in the event of damage to the vehicle, fire, theft and even in the event of an accident without a third party. If the car is unrecoverable, there is another solution: use a wreck removal service. How can I benefit from a free wreck removal?
Fill in the amicable report and then declare the accident
An insured motorist holds a model of an amicable report submitted by his insurance company. It is important to always use it in case of a road accident and in case of injuries. The document to be completed facilitates the processing of the compensation file, as it contains a great deal of information relating to the accident. Indeed, the document concerning this car accident report makes it possible to indicate the circumstances of the accident, detail the apparent damage and provide information on vehicle insurance. This last point concerns the contact details of the policyholders, contract numbers and not the insurance companies.
The form is the best way to quickly inform the insurer of the accident. The document is complete when the report part, which is the front of the form, is completed and signed by the 2 drivers concerned by the event. The Aquarius of the document represents the declaration part. This part of the form is to be completed individually by each driver. The amicable report representing the accident declaration must be sent within 5 working days of the accident. Each driver must send the documents to his respective insurance company.
Compensation procedure after a road accident
The road accident report allows motorists to speed up compensation procedures. In most cases, agreements between several insurance companies help insured motorists to speed up the processing of their compensation proceedings. Thanks to the IRSA Convention on direct compensation for motor vehicle damage and the IRCA Convention on personal injury, accident victims will be compensated more quickly by their own insurer.
Direct compensation allows each liability insurer to directly cover its customers who are victims of claims. In this way, the driver's insurer, whether at fault or not, compensates its own customer on behalf of the liable insurer. This compensation is total if the insured is not held liable for the accident. Compensation is partial when responsibility is shared. It should be remembered that if the insured is held totally responsible for the accident, he or she can only be compensated if he or she has taken out accident damage coverage or collision damage coverage.
Steps to follow a disaster
In the event of a claim requiring the intervention of the car insurance company, the first step to follow is to complete the claim form. If the other driver refuses to sign the car accident report, his identity, the identity of the witnesses and the registration number of the refractory driver must be recorded. It will be necessary to consider taking pictures of the damage, the accident site and not to forget to attach this evidence to the car accident report. Establishing an estimate of the cost of repairing the damage by specifying the details of the garage is one of the additional steps to be taken after the road accident.
If the accident has caused bodily injury, the insured person who has taken out a personal guarantee from the driver must provide his insurer with a medical certificate. It should be noted that the claim form must be sent to his insurance company within 5 working days. In the event of theft, the motorist has 2 working days to file a complaint and send the complaint receipt to his insurer.