UK Insurance Advisory: Things to Do When
Involved in an Auto Accident
Auto accidents happen every day. Despite
protections provided by UK insurance, vehicle accidents may turn from a
vehicle incident into a fraud incident. The National Fraud Authority's
Annual Fraud Indicator estimates £2.1 billion in insurance fraud.
Experts estimate the annual cost of motor insurance fraud exceeds £1
billion. To stay safe in a collision and reduce the risk of becoming
victimized by a fraudulent claim, review these tips.
Ensure your car has a crash kit which includes pen, paper, first aid
kit, mobile, camera or mobile camera, and warning triangle. When a
collision occurs, remain calm and find out of anyone has been injured.
If so, call emergency services for help. If the vehicle is still moving,
stop the car. If your collision involves other than a person, such as
crashing into a farm animal, dog, tree or parked car, you must visit the
local police and bring vehicle and insurance information.
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Do not drive from the scene or discuss fault.
Determine whether you are in further danger. Call the police if not on
the scene should the driver attempt to flee the scene. Discreetly note
details about the other driver and the wreck site. Was the driver using
his mobile? Can you detect alcohol? Call 999 to have cars moved if a
hazard to other drivers while waiting for police. If you have a digital
camera or cell phone camera, snap brief factual pictures of the
collision while collecting details related to the accident. Record the
accident date, time and location. Record the police responder details
including police department location, police officer's name and
telephone number, the case number assigned and any tickets issued.
Obtain and record information about the owner and the driver of the
other vehicle. Vehicle owner details to obtain include the vehicle owner
name, address, telephone number, insurance company name, insurance
policy number, insurance agent's name, the vehicle year, the vehicle
make and model, the vehicle identification number, and the vehicle
license plate number.
Obtain and record the vehicle driver's name, address, telephone number,
driver's license number, injuries, insurance company name, insurance
policy number and the insurance agent's name. Exchange your own driver
information as well. If your registration is not in the car when police
arrive, it should be taken within 7 days to the local police.
Obtain information related to any passengers Record the number of
passengers in the other vehicle. Record information about each
passenger. Record the name, address, telephone number and any injuries
for each passenger. Obtain information from any independent witnesses.
Record the name, address and telephone number for each witness.
Contact your insurance company and provide all of the above information
promptly after an auto accident. Provide any feedback regarding
suspicious information related to accident facts.
Should a person appear at the auto accident scene and attempt to recruit
anyone involved in the accident to follow them to a physician or
attorney, or provide anyone involved with a physician or attorney
business card, recommending that involved parties contact these
professionals for treatment or legal representation, obtain information
about this person. Among information, try to obtain the license number
of the vehicle that person is operating. Persons who engage in such
activities for payment or others who pay such persons may be committing
a criminal offense.
Consumers are encouraged to report UK auto insurance fraud to the
Insurance Fraud Bureau (insurancefraudbureau.org).