All of us have car insurance in Ireland. Though we have the security under a valid car insurance Ireland cover, still we hope that we may not have to claim for car insurance ever in life which means that we always believe in safe driving. However, instead of fantasizing, if we talk about the real world while driving on-road we can anytime come across instances when we may encounter minor or major car accidents due to our carelessness or a faulty fellow driver on-road. The faulty driver may be any out of the parties who have met an accident but the consequences viz. mental and physical pain and financial burden have to be borne by both of them in both minor or major crashes. Sometimes, cars may accidentally bang into public or private property thereby causing damage to the car and the property. Whether a car hits a person, property or another car, it becomes essential to apply for a car insurance claim for meeting the losses. Here we have listed a few immediate actions to be taken to apply for insurance claim whenever a car accident is met:
Call your car insurance Ireland provider and inform them about the accident. When you purchased car insurance, your insurance provider must have shared a 24X7 number with you where you can call for help at the hour of need. You will have to share your car insurance policy number, car registration number, contact number, and similar other details so that they can identify and verify your policy. You will also be asked about who was driving the car at that time, so be transparent in furnishing every information to avoid any issues later. Passing every bit of information righteously (including time, date and place of the accident) to your car insurance provider is advisable as any information might be useful in case any dispute takes place with the third-party, his insurance company or your car insurance provider.
Also, share the car registration number and preferably contact details and insurance policy details as well of the third-party involved in the accident with your car insurance Ireland provider. Thereafter, taking into account contact details of Gardaí (if the accident is met in Ireland) or other police (if the accident is met abroad) or any witness of the accident will also be helpful as your car insurance provider will need the information.
Do not forget to take photos of your car after the accident as these photos will help you redeem the claim of car insurance. Photos of the car of the third-party and their injuries are also recommended by car insurance providers so that they are clear of the extent of the loss and accordingly take appropriate action.
As soon as you call up your car insurance provider, the established car insurance provider will take immediate action by sending a tow truck and an ambulance, if required, in the first place. Meanwhile, the renowned car insurance company sends your car for fixing and offers you a courtesy car to be used for a week’s time till they bring your car back to you. Along with that, the car insurance companies start processing your claim request soon. They review all the documents and photos shared with them and connect to you if they need any more information from you. Once the car insurance company is satisfied and has gone through all the paperwork and formalities, it will clear your genuine claim soon.
It is important to remember that different insurance companies have different considerations for reimbursing car accidental claims depending on the fault of the insured driver or the third-party. Additionally, each insurance company has a variety of insurance plans in terms of the extent of coverage and the relative premium cost to suit the needs of different customers. If you want a hassle-free experience with your car insurance Ireland provider right from the time of buying car insurance to applying for a claim, then choose a reputable provider for car insurance in Ireland and before buying a car insurance policy make sure to thoroughly analyze its pros and cons of that particular policy.