RateCity.com.au
powering smart financial decisions

Make A Claim

Make A Claim

If you need to make a claim to your car insurance company because you have been involved in an accident, it is important that you get all the right information so that your claim is processed quicker and has less chance of being rejected.

Once the accident occurs, there are some steps that should follow to ensure that you gather all of the correct details so your claim has more chance of it being approved and it won’t delay the process.

  • Check that no one involved is seriously harmed. If someone is harmed, call an ambulance.
  • You may need an incident report number when you make the claim with your insurance company. You will need to call the police. If required, they may come out directly to assist in the procedure, they may also help guide traffic around the collision. Don’t forget to ask the police for their name and contact details so you can contact them if you require additional information.
  • Swap details such as license, registration and contact with all other drivers concerned. It may also be a good idea to make a note of the make and model of all cars and any other details, such as the time of the accident and where it occurred.
  • Find out if the person at fault has car insurance, if so get the details of their insurance provider.
  • Draw diagrams showing the direction that involved vehicles were travelling and include other relevant information such as where the accident occurred, the position of street lights, signs and where witnesses were situated.
  • If there are witnesses present ask them for their contact details in case they are required to give evidence later on. Or if required, ask them to stay until the police arrive so that they can give a statement.
  • It may also be an idea to take photos of the scene, cars involved and any injuries, if you can.

Once you have all the required information, contact your car insurance provider and make a claim. Inform them of what happened, including details of all drivers involved. If the other driver was at fault, they will need to make the claim with their insurance company.

The insurer then processes the claim and will notify you of the next steps. If they require more information, they may ask you to send over the photos and diagrams, so it is better to be prepared.

Regardless of who is at fault, you can’t make a claim without the right level of car insurance. If you don’t have comprehensive car insurance, compare car insurance quotes online to find one that suits you.

Did you find this helpful? Why not share this article?

Advertisement

RateCity
ratecity-newsletter

Money Health Newsletter

Subscribe for news, tips and expert opinions to help you make smarter financial decisions

By signing up, you agree to the RateCity Privacy Policy, Terms of Use and Disclaimer.

Advertisement

Learn more about car insurance

Can I get a refund on car insurance?

Have you decided to cancel your car insurance policy? Maybe you’ve sold your car, or you found a better rate elsewhere.  Perhaps you’re just not driving it anymore. So what happens to the unused amount of your car insurance? Can you get a refund on unused car insurance in such a scenario?

It often depends on who cancelled the policy: you or your insurance provider. If you initiated the process of cancellation, then you may be able to get most, if not all, of your unused amount. There might be some cancellation fees involved.

However, if the policy has been cancelled by your provider, because you defaulted on a payment, then you will not receive any refunds. Keep in mind, sale of your vehicle, or traffic violations such as receiving too many speeding tickets, or being charged with reckless driving, are not reasons to withhold refunds.

If you pay your insurance monthly, your future payments will simply stop. However, many insurance policies are paid upfront for the year, as some companies offer discounts. If this is the case, get in touch with your insurer about getting a refund for the unused amount.

How to choose car insurance?

With so many types of car insurance out there, it can be a challenge to choose the right one for you. Factors to consider when choosing car insurance include the cost, the inclusions, and the benefits of each, which may vary from provider to provider. When choosing a car insurance company, spend some time comparing what is, and what isn’t, covered by the policies.

Compulsory third party (CTP) insurance is part of your car registration cost. However, CTP does not protect you against damage to your car if it’s written off after an accident or if it gets stolen. Moreover, you might have to pay for damages to someone else's property in case of an accident.

Other covers you may wish to consider are third party property insurance, third party property, fire and theft insurance, and comprehensive insurance. While you might want to get additional insurance, not everyone requires the highest cover, and it depends entirely on several factors, such as the make and age of the car or the area where you live.

You can compare car insurance providers to get a policy that suits your needs.

Can you claim insurance for car dents?

Car insurance has been designed to protect you from some of the costs of repairing damage to your car. However, is it worth claiming car insurance for a dent?

The main factor to take into account is the excess that you will need to pay at the time of making the insurance claim for the car door dent, and comparing it with the repair cost of the dent.

For instance, if someone collided into your car with a shopping cart and the cost of repairing the dent is lesser than your excess, you would be better off not making the claim. However, if your car’s panels are dented by intense hail, in all likelihood the cost of getting the dents taken care of will be much higher than your excess. Here making a car dent insurance claim would make sense.

Please note that if you’re making a car dent insurance claim for damages that have accumulated over a long time, you will be required to pay an excess for each separate incident that dented your car.

 

Can you get same-day car insurance?

While you can buy car insurance the same day you purchase a vehicle, coverage may not take effect immediately, and you need to make sure you aren’t driving around without an active car insurance policy. This can happen if the insurer insists that your vehicle needs to be inspected before they approve the policy. When purchasing a new or used car, you will need compulsory third-party (CTP) coverage before you can drive it. Usually, CTP coverage is included with your car registration. However, in some states, you can choose to buy it from an insurer licensed by the state or territory to offer CTP coverage. Consider checking whether you should buy this policy before registering the car.

Given that you can buy a car insurance policy online, getting the policy may only take an hour or two if you’ve done your research. You may want to ask the insurer about any waiting periods they may place on coverage. For instance, if you’re buying third-party fire and theft insurance just before the bushfire season, the insurer may not allow you to file a fire damage insurance claim anytime soon. Many insurance providers will let you decide the date on which your coverage becomes active. This may be useful if you’re about to buy a car and want to match the date the insurance coverage becomes active with the day you plan to register your car.