What to Know About Motor Accident Claims as a New Driver

27 November 2018
 Categories: Law, Blog


If you are a new driver and have never been in an accident, you may be unsure of what to expect with the claims process. If you find that you are filing a claim for a motor accident, then there are some things you should know. Here are a few key points about the process, what to know about the steps in the process, and some related information. Keep in mind that you can also seek assitance for medical injuries and other related issues to the accident by visiting a compensation lawyer. 

Gathering Information

The first thing you need to know is that you will need specific pieces of information to begin filing your motor accident claim with your insurance company. You will need to have the police report that clearly shows who was at fault for the accident. You will also need to have images of the car. Keep in mind; your insurance company may have the ability and option to send a claims representative directly to the scene. If this is an option, call them immediately. The claims representative can gather all the necessary information helping you ensure you aren't overlooking a step in the process.

Claim Limitations 

You will need to understand your claim limitations. In most cases, you can claim for damages to the vehicle and the repair work. You can also claim for medical expenses for injuries received during the accident or as a result of the accident. Keep in mind that if you have received these injuries, you should consider visiting a compensation lawyer for assistance with costs not covered by your insurance provider. You can also process motor accident claims for funeral costs if the accident resulted in death.

Claim Determination

Many drivers want to know how their claim will be determined and how much money they will receive. The truth is, the claim is determined by an investigation through the insurance company. Their claim investigation department will analyze your information and proof of the accident. They will then make a determination on the claim to decide how much you will receive as well as when it will be sent.

Keep in mind; each insurance company is different. Though the basic process for filing a motor accident claim is the same, your company may have a few additional steps. If the claim has resulted in an injury, do not overlook the option of seeking the help of compensation lawyers.