What happens after a car accident claim?

Step 1: Report the accident

After ensuring everyone's safety and exchanging details with other parties, you need to:

• Report the accident to the police within 24 hours if required
• Obtain a case number from the police
• Notify your insurance company as soon as possible
• Provide all relevant details and documentation

Step 2: Claim registration

Your insurer will register your claim and assign a claim number. They'll need:

• Police case number
• Details of the accident (date, time, location)
• Photos of the damage
• Details of other parties involved
• Your driver's licence

Step 3: Assessment

An assessor will inspect your vehicle to document the damage and estimate repair costs. This may happen at:

• A drive-in assessment centre
• The repairer's premises
• Your location (for immobile vehicles)

The assessor produces a report that guides the insurer's decision on whether to repair or write off the vehicle.

Step 4: Repair authorisation

If repairs are approved, the insurer authorises the work. At this point:

• You have the right to choose your own repairer (though the insurer may suggest preferred options)
• The repairer orders necessary parts
• A timeline for repairs is established

Step 5: Repairs

During the repair process:

• The repairer completes the authorised work
• Additional damage may be discovered (requires supplementary authorisation)
• You may have access to a courtesy car (check your policy)
• The insurer may conduct progress inspections

Step 6: Quality check and collection

Before collecting your vehicle:

• The repairer conducts final quality checks
• The insurer may do a final inspection
• You should inspect the vehicle before signing acceptance
• Report any concerns immediately