INSURING YOUR CAR
What to do if you’ve had a car accident
25 February 2021
Meet Maria. She was on her way to work when BAM! Another car smashed into hers.
Maria is shocked and confused…she’s never been in an accident before. Would you know what you might do if you had a car accident?
First, depending on the type of accident, if appropriate, make sure everyone is safe and out of harm’s way. Then turn off your engine and switch on your hazard lights.
Try and prevent further loss, damage, or liability.
In an emergency, call triple zero for ambulance and police assistance, especially if someone’s injured, there’s major damage, or the road is blocked.
Try to keep your emotions in check and focus on exchanging details with the other driver, like name, address, phone number, registration number, and insurance details.
It’s also useful to note the date, time and location of the accident, and take a few photos of the scene and any damaged vehicles including any debris, providing it is safe to do so.
Ask yourself these questions. If you answer ‘yes’ to any of them, you’ll need to report the accident to the police. Other criteria may apply, but these vary from state to state.
If you have car insurance, you’ll also need to report the accident to your insurer. Try to contact them as soon as possible so the details are fresh in your mind.
Plus, the sooner you commence the claims process, the sooner we can get you back on the road!
Car accidents occur unexpectedly, which is why knowing what to do in advance and having a simple process in place can help you confidently deal with the situation.
With GIO, you know that help with your car is just a phone call away… speak to one of our knowledgeable insurance specialists today.
What to do when you have a car accident
You don’t know how stressful having a car accident is until you’ve had one. And this is a fate we wouldn’t wish upon anyone, regardless of whether it’s just a fender bender or something more serious. Knowing what to do in the event of a car accident ensures the incident is dealt with properly and that you can confidently capture all the required information.
Make sure everyone is safe
The safety of everyone after an accident is paramount, so the first step is to make sure all parties are ok. In an emergency call 000 for ambulance and police assistance, especially if someone is injured, there’s major damage or the road is blocked.
You should also make sure that you are in a safe location away from traffic. Move your car out of the way and off the road if possible, then turn off the engine and switch your hazard lights on.
Exchange details with the other party
When interacting with all parties involved, it’s important to keep your emotions in check – regardless of who’s at fault. You should exchange the following details with the other driver(s):
- Phone number
- Registration number
- Insurance details.
Useful information you should also record:
- Date, time and location of the accident
- Name, address and phone number of any witnesses
- Photos of the crash site and damage to cars or property.
Report the accident
To the police
The criteria for when it’s necessary to report a car accident to the police varies from state to state, however there are some universal situations when police attendance is required:
- Someone is trapped, injured or killed
- A party fails to stop and exchange details
- A driver appears to be under the influence of alcohol or drugs
- There are hazards present. For example, a blocked road or significant debris, leaking fluids, structural damage to property, etc.
To your insurer
Car accidents occur unexpectedly, which is why knowing what to do in advance and having a simple process in place can help you confidently deal with the situation. With GIO you know that help is just a phone call away – speak to one of our knowledgeable insurance specialists today on 13 10 10 and stop thinking you’re covered, know with GIO.
Insurance is issued by AAI Limited ABN 48 005 297 807 trading as GIO Insurance. Consider the Product Disclosure Statement before buying this insurance.