Insurance Center

When you have an accident that’s not your fault, the other party’s car insurance will pay for repairs to your vehicle.

Be sure that you keep all evidence, not just of the accident scene, but of your losses. You also should be aware of everything you can claim back, because it’s not just the cost of the repairs.

Take photos if possible. If you have any costs moving your vehicle after the incident or getting transport home, get receipts and keep them.

Call your car insurance company as soon as possible to report the accident. Do this within 24 hours.

Don’t get anything fixed until your car insurance company, or the other party’s, has approved repairs.

Are you entitled to a courtesy car? If not, you need to consider how you’ll get around. If the other party’s car insurance company admits liability, it’ll probably offer you a car. Is the car good enough for your needs? If you need a fancier car than they’re prepared to offer, e.g. for work, then you can hire a car and the other car insurance company should pay you back. If you don’t need a car, you could take a bus or occasional taxi to go about your normal life.