UK Insurance Advisory: Things to Do When Involved in an Auto Accident

Auto accidents happen every day; just ask the guys at short term car insurance company carinsuranceshortterm.org.uk.  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. Insurance costs are rocketing. No wonder so many people buy insurance from insureforoneday.co.uk. 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).

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