Knowing what to do after a car accident can be overwhelming, but follow these 6 simple steps and it'll be a lot easier for you and anyone else involved.
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A car accident can be a real shock to the system, but being as calm as possible will only help you. First things first, you'll need to stop safely. Then ask yourself the following questions:
| Response | |
|---|---|
| No - I have never had to make a claim | 55.27% |
| No - I had to make a claim but didn't use dashcam footage | 34.99% |
| Yes | 5.17% |
| I don't own a car | 4.57% |
The next step is to exchange details with other drivers involved in the accident. Details you should exchange include:
Ideally, you’ll have a notepad and pen in your glovebox for this purpose. You could also take notes on your phone. Some insurers also now have mobile apps to help with the accident-recording process.
If you have your mobile phone, take photos of the accident scene. As well as the scene itself, these pictures should include the damage to your car, damage to other vehicles and any third-party property damage.
If possible, call your insurance company from the accident scene. They will be able to talk you through the process and advise you of your next steps. You will usually be advised to not admit liability to anyone.
This is because you may be in a state of shock or may not be fully aware of the circumstances of the accident. It is not up to you or anyone else at the scene to determine if an accident's your fault. This should be left to the police and car insurance companies to decide at a later date.
Even if no one is hurt or the damage is only minor, you should still report an accident to your insurer. This is in case the other party involved decides to make a claim against you, or you develop an injury or discover further damage to your vehicle at a later date.
| Brand | Contact number |
|---|---|
| 1300 Car Insurance claims contact number | 1300 467 872 |
| 1cover Car Insurance claims contact number | 1300 885 996 |
| AAMI Car Insurance claims contact number | 13 22 44 |
| Toyota Car Insurance claims contact number | 137 200 |
| Allianz Car Insurance claims contact number | 13 10 13 |
| Apia Car Insurance claims contact number | 13 50 50 |
| Australian Post Car Insurance claims contact number | 1300 885 996 |
| Australian Unity Car Insurance claims contact number | 1300 734 729 |
| BingleCar Insurance claims contact number | 1300 735 640 |
| Budget Direct Car Insurance claims contact number | 1300 139 591 |
| Bupa Car Insurance claims contact number | 132 480 |
| Calliden Car Insurance claims contact number | 03 9006 1280 |
| Catholic Church Car Insurance claims contact number | 1300 655 001 |
| Cgu Car Insurance claims contact number | 13 24 80 |
| Cil Car Insurance claims contact number | 1800 112 481 |
| Coles Car Insurance claims contact number | 1800 031 301 |
| Commonwealth Car Insurance claims contact number | 13 2423 |
| Cota Car Insurance claims contact number | 1300 651 77 |
| Elders Car Insurance claims contact number | 1300 554 184 |
| GE Money Car Insurance claims contact number | 1300 885 996 |
| GIO Car Insurance claims contact number | 13 14 46 |
| Guild Car Insurance claims contact number | 1300 988 988 |
| Ibuyeco Car Insurance claims contact number | 1300 558 225 |
| Just Car Insurance claims contact number | 13 13 26 |
| MHIA Car Insurance claims contact number | 1800 676 700 (After hours 1800 620 601) |
| Mitsui Sumitomo Car Insurance claims contact number | 1800 105 381 |
| NRMACar Insurance claims contact number | 131 123 |
| Ozicare Car Insurance claims contact number | 1300 360 066 |
| Qbe Car Insurance claims contact number | 1800 068 985 |
| Raa Car Insurance claims contact number | (08) 8202 4575 |
| Rac Car Insurance claims contact number | 13 17 03 |
| Racq Car Insurance claims contact number | 13 7202 |
| Ract Car Insurance claims contact number | 13 27 22 |
| Racv Car Insurance claims contact number | 13 19 03 |
| Real Car Insurance claims contact number | 13 19 48 |
| Resilium Car Insurance claims contact number | 131 437 |
| Sgic Car Insurance claims contact number | 133 233 |
| Shannons Car Insurance claims contact number | 13 46 46 |
| Suncorp Car Insurance claims contact number | 13 25 24 |
| Swann Car Insurance claims contact number | 1300 657 318 |
| TIOCar Insurance claims contact number | 131 TIO |
| Tokio Marine and Nichido Car Insurance claims contact number | 1800 229 272 |
| Vero Car Insurance claims contact number | 1300 888 073 |
| Virgin Car Insurance claims contact number | 1800 662 884 |
| Westpac Car Insurance claims contact number | 1800 502 077 |
| Wfi Car Insurance claims contact number | 1300 934 934 |
| Everyday Car Insurance claims contact number | 1300 10 1234 |
| Youi Car Insurance claims contact number | 1300 253 403 |
| Zurich Car Insurance claims contact number | 1800 019 774 |
If your vehicle is damaged, you will need to determine whether it is roadworthy before driving it away from the scene of the accident. Damage may be obvious in the form of a flat tyre or punctured radiator, but other damage may be harder to determine, such as steering or brake problems. Check your vehicle over thoroughly before driving it. If there is any doubt about its roadworthiness, do not drive it away from the scene.
If your vehicle is not driveable, tow trucks attending the accident may try to convince you to let them take your vehicle to a panel shop they are affiliated with. Do not let yourself be talked into anything you don’t understand or trust. Under no circumstances should you sign a contract, as it may be committing you to having your vehicle repaired at a particular panel shop.
Ask your insurer what you should do. You will generally be directed to an approved panel shop, which the tow truck should take your vehicle to.
If your vehicle requires towing from an accident where the police were not called to attend, you must report the accident to the Police Assistance Line on 131 444 within 24 hours of leaving the crash site. Failing to do so could lead to you being fined, getting demerit points or worse.
The final step after an accident is to make a claim with your insurance company. If your vehicle was towed to a panel beater approved by your insurer, repairs will usually be authorised fairly quickly.
On the other hand, if your vehicle is driveable after the accident and only needs minor repairs, your insurer may require you to obtain at least two quotes (sometimes three) from different panel shops, from which they will choose the lowest quote.
Whether you choose to make a claim at all will depend on the cost of repairs compared to any excess you must pay (the amount you must contribute to a claim) and the effect a claim would have on your no-claim bonus. Many people choose not to make a claim on repairs under $1,000 for these reasons.
The main things to ensure after an accident include making sure:
We analyse over 100 car insurance products and rate each one on price and features. What we get out the other end is a nice round number between 1 and 10 to help you start comparing.
To make sure we're comparing apples with apples, we collect quotes for 8 different personas, then work out the value of 19 different car insurance features. Our team then does some fancy maths to get the Finder Score, taking both price and features into account.
Picture: Walter, licensed under Creative Commons Attribution-NonCommercial-ShareAlike 2.0 Generic (image cropped)
Picture: Highway Patrol Images, licensed under Creative Commons Attribution-NonCommercial-ShareAlike 2.0 Generic (image cropped)
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I was sold a new car from the dealership, with apparent insurance coverage, roadside assist, and warranty for the next 7 years. I have contacted them endlessly in order to get information as to what coverage and what insurance, and they have not ever responded. How do I report a vehicle for hitting mine?
Hi Laura,
Thank you for getting in touch with Finder.
Were you able to get the other driver’s details? If not, to help ensure the success of your claim, you’ll need to gather as much evidence as you can. There are several steps you can take to try to track them down, including:
Please contact the business to explain the problem and the outcome you want. In many cases a simple phone call or visit can fix the problem. It is a good idea to write a complaint letter — that way, the seller is clearly aware of the problem and what you want, and you also have a record of your contact.
If you are still having difficulty resolving a problem, you may want to seek assistance. The best place for where to go for consumer help will depend on your circumstances.
I hope this helps.
Have a great day!
Cheers,
Jeni