Tips For After An Accident and some Funny Insurance Claims

March 3rd, 2020

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Most people wouldn’t expect to be involved in a car accident.  There are some driving habits which some drivers do have, illegal or otherwise, that would definitely make them more prone to having an accident.  With all the modern crash-avoidance safety equipment on-board new cars crashes still happen – whether it’s your fault or someone else’s.

So, what should you do after an accident has happened?  Here are some safe procedures you can make a note of:

• Stop the car.
• Turn off the engine.
• Switch the hazard lights on.
• Check for any injuries to yourself or your passengers.
• Call the police and an ambulance immediately if anyone is hurt or if the road is blocked.
• Share your name and address with everyone involved if the accident caused damage or injury.
• Swap insurance information and details with the other driver(s).
• Take down details of any other passengers and witnesses to the accident.
• Try to find out if the other driver is the registered owner of the vehicle, and if they are not find out who the owner of the car is and get that information too.
• Record the make, model, colour, and number plate of the vehicles involved in the accident or take pictures of them.
• Record the time and date of the crash.
• Record the driving conditions, including the weather, lighting, and road quality (such as road markings, whether it’s wet or muddy, repair of the road surface).
• Record what sort of damage was caused to the vehicles and where. Use your phone to take pictures of the scene and the damage to the cars.
• Record any injuries to drivers, passengers, or pedestrians.
• Record the names and contact details of any witnesses.
• Phone your insurance company as soon as possible – ideally at the time of the accident.

After the accident, submitting a claim for car insurance can be a bit of a stressful business, and it certainly pays to double check what you have said over the phone or have written on your claim form.  Here are some genuinely funny car insurance claim statements below:

• A pedestrian hit me and went under my car
• As I approached an intersection a sign suddenly appeared in a place where no stop sign had ever appeared before.
• Going to work at 7am this morning I drove out of my drive straight into a bus. The bus was 5 minutes early.
• I collided with a stationary truck coming the other way
• I had been driving for forty years when I fell asleep at the wheel.
• In an attempt to kill a fly, I drove into a telephone pole.
• I had been learning to drive with power steering. I turned the wheel to what I thought was enough and found myself in a different direction going the opposite way.
• I had been shopping for plants all day and was on my way home. As I reached an intersection a hedge sprang up obscuring my vision and I did not see the other car.
• I pulled away from the side of the road, glanced at my mother-in-law and headed over the embankment.
• I saw her look at me twice. She appeared to be making slow progress when we met on impact.
• I started to slow down but the traffic was more stationary than I thought.
• I was on my way to the doctor with rear end trouble when my universal joint gave way causing me to have an accident.
• I was sure the old fellow would never make it to the other side of the road when I struck him.
• My car was legally parked as it backed into another vehicle.
• No one was to blame for the accident but it would never have happened if the other driver had been alert.
• The claimant had collided with a cow. The questions and answers on the claim form were – Q: What warning was given by you? A: Horn. Q: What warning was given by the other party? A: Moo.
• The accident happened because I had one eye on the lorry in front, one eye on the pedestrian and the other on the car behind.
• The accident occurred when I was attempting to bring my car out of a skid by steering it into the other vehicle.
• The guy was all over the road. I had to swerve a number of times before I hit him.
• The pedestrian had no idea which way to run as I ran over him.
• The pedestrian ran for the pavement, but I got him.

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