Nobody wants to be involved in a collision, but with the roads becoming increasingly congested, accidents are more likely to happen than ever. Last week we looked at what you should do in the event of a car accident. This week, we take a look at some frequently asked questions and some tips on handling the claims process.
Should I say “sorry”?
Us Brits just love to apologise! There is a misconception that by saying “sorry”, you are accepting that you are to blame. While apologising isn’t an admission of guilt, it is still best not to apologise as it could be used against you in a compensation claim. Instead of apologising, check that everyone else is OK.
If I go into the back of another vehicle, is it my fault?
The instinct is to assume that if you drive into someone else, you are to blame. The Highway Code states that you should leave enough space between you and the vehicle in front to allow you to stop if you need to. The rule to remember is the two-second rule: whatever speed you are driving at, leave a two-second gap between you and the vehicle in front. If the roads are wet or icy, increase the gap to four seconds.
The law clearly states that you have to leave a good stopping distance; therefore, if you go into the back of the vehicle in front, it is likely to be considered your fault. If you are concerned or there is a spate of “crash for cash” incidents in your area, it may be worth investing in a dash cam. This could help to reduce your insurance premium, too.
When should I contact my insurer?
Regardless of whether you are planning on making a claim, you should contact your insurer as soon as possible. If you don’t, your cover may be invalidated. Give as many details as you can and send any pictures that you might have to support your version of events. Make sure that you pass on the details of all witnesses to your insurer.
If you are unsure of the highway code or anxious about accidents, it could help to get some refresher lessons from a local driving instructor. If you are venturing onto the motorway for the first time, many driving instructors offer motorway lessons to help boost your confidence and driving skills.
Wherever you are going, your safety is of the utmost importance. For more tips and advice on vehicle maintenance, finding the best garage near you, or road safety, follow Trust A Garage on Facebook or Twitter.