Category Advice & Tips

WHAT TO DO IN CASE OF A CAR ACCIDENT

If you are involved in a car accident..

ABOVE ALL ELSE, WEAR YOUR SEATBELT! THIS OBVIOUSLY APPLIES WELL BEFORE AN ACCIDENT HAPPENS, BUT IT’S THE MOST CRUCIAL STEP EVERY TIME YOU DRIVE. STATISTICALLY, YOU’LL BE 58% LESS LIKELY TO BE INJURED OR KILLED IF YOU’RE WEARING YOURS. ASK ALL PASSENGERS TO WEAR A SEAT BELT! IN CASE OF A CAR ACCIDENT THEY MIGHT BE THROWN ALL OVER THE CAR INJURING THEMSELVES AND EVERYONE IN THE CAR.

STAY CALM!

WHEN YOU ARE CALM AFTER A CAR ACCIDENT, YOU CAN THINK CLEARLY WHICH ALLOWS YOU TO MAKE EMPOWERED CHOICES ABOUT HOW YOU REACT TO THINGS. WHEN YOU ARE THINKING CLEARLY, YOU MAKE MUCH BETTER DECISIONS THAN WHEN YOU ARE STRESSED OR OFF BALANCE.

FIRST THING: NOTE INVOLVED PARTY CAR REGISTRATION NUMBER!

Many drivers are on the road illegally (examples below)...

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LEGAL RIGHT TO CHOOSE YOUR VEHICLE REPAIRER

You have a legal right to choose your vehicle repairer!

You do NOT have to claim on your insurance, when the accident is NOT your fault.

This is called a ‘non-fault’ accident.

To give you a brief picture about your rights and why it is better to choose your vehicle repairer yourself…

In July 1993, the Director General of Fair Trading asked insurance companies to clarify consumers’ rights under the terms of ‘approved’ or ‘recommended’ repairer schemes. These schemes take the form of a list of garages or a telephone helpline service to put accident victims in touch with a vehicle body repairer with which an insurer has a “special relationship”.

This documentary on ‘Channel 4’ proved it- www.telegraph.co.uk/…/Insurers-cash-in-on-your-crash

Despite the Director General of Fa...

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CAR INSURANCE WRITE-OFF CATEGORY A/B/C/D

Insurance write-off category -meaning

If your car has suffered damage because of a crash, and your insurer considers the cost of repairs to be uneconomical, then it will be classed as an insurance write-off category A, B, C, or D. The car will then be kept by the insurer, and you will receive a cash payout for the loss. (usually the vehicle’s ‘market value’—the price it would have sold for at a trusted dealership, before it was damaged or stolen).

How does an insurer decide if a car is a write-off?

If your car is involved in an accident and you put in a claim, an insurance assessor or engineer will normally come and inspect the damage.
The assessor follows strict criteria, but could judge your car to be a write-off if it is beyond ‘economical’ repair.
Note the word econo...

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INSURANCE WRITE-OFF TRICKS

Insurer’s tricks to get their way.

What is a write-off?

If someone tells you they’ve written off their car, you can safely assume they’ve been involved in a fairly major incident – vehicle beyond repair, fit only for scrap. But, if you hear of an insurance write-off, there’s a reasonable chance the car isn’t the twisted tangle of metal you might have envisaged.

Insurance companies are within their rights to write off a car, even if it has suffered only relatively minor damage, perhaps a few scratches to the paintwork or a small dent. If insurer considers the cost of repairs to be uneconomical, usually around 50% of the vehicle’s value, it will most likely be declared a total loss or a write-off.

 write-off after minor accident

A few scratches to the bumper, broken mirror and a dent.

When, after an accident, you...

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