Accident and illness insurance:
What to do when the worst happens…

Most accident / illness insurance policies cover those dreaded eventualities we’d rather not think about.  But what should you do when the worst happens?

Road Traffic Accidents

Obviously your first priority is to attend to any injuries and call the emergency services.  But as soon as the dust settles, your insurance company will need to know the following:

  • Date & Time of Accident
  • Location of Accident
  • Weather Conditions & Visibility
  • Contact details for witnesses
  • Damage to your vehicle (take photos if you can)
  • Make, model & registration of other party’s vehicle
  • Other driver's contact and insurance details
  • Name of Investigating Officer if applicable

Accidents at home or at work

Again it’s important to secure the area so no further accidents can happen (but be careful if the scene needs to be examined – you don’t want to damage your insurance claim by removing something that could be classed as evidence).
If you’re thinking of making an insurance claim, your first question is who will you be claiming against? 

If you’re in someone’s home or a place of work, you’ll probably be claiming against the householder or employer’s insurance.  But in your own home, you’ll need to be sure what’s caused the accident - for example, some poor workmanship or a faulty piece of equipment.
If you suffer a long-term injury or illness as a result of the accident, your insurance company will want to know how you’ve suffered over time.  It can be useful to keep a diary, especially if your symptoms tie in with the notes made in your medical records.

If course this is just a quick guide to coping with an accident or illness - but we’ll be happy to discuss your personal concerns with you in more detail.  Just call Howell Insurance on 01446 792505.