What to do after a crash
What can I claim for?
Your first thought is going to be your beloved car, sitting at the side of the road with its bashed up bumper. It will need to be fixed, and your insurance can pay for it. Have a look at your policy and see what it covers. If you don’t have an extensive policy, your insurance might only cover damage to the other drivers car, so you’ll be relying on their insurance to pay your costs. If you have a better policy, you should have no trouble paying for the repairs. But you might also be able to claim for any personal injuries that you have. One of the most common things that people claim for is whiplash. Whiplash is damage to the neck that is often caused by the impact of a car crash. There are a lot of cases of people going to the doctors and complaining about a sore neck, in the hope of getting a big payout, so you might have to prove yourself. But if you do actually have some pain or discomfort, go and get yourself checked by the doctor.
Is it worth claiming?
Of course it is! You want your car fixing and you’re not paying for it yourself! Well, maybe it isn’t that simple. If you have completed defensive driving traffic school online, and you have a good no claims bonus, then your insurance costs are probably quite low. Depending on the level of damage, it might not cost you that much to fix it. You might feel cheated paying for it yourself, but it could save you money over the coming years. If you claim, you will lose your bonus, and the price of your insurance is likely to shoot up. If the extra insurance costs outweigh the costs of repairing the car, you should just bite the bullet and pay for it yourself.
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