As anyone who has ever been in a vehicle accident will tell you, it is a shocking and stressful experience especially if you have been injured, or have injured someone else and it’s not always easy to think clearly. That’s why we’ve put together this guide that you can print out and keep it in your car’s glove compartment. This way, if you are involved in an accident, you will know what steps to follow to ensure the best possible outcome.
Make note of the details – always make sure you have a pen and paper in your glove compartment so that you can write down the details of the accident, including:
If you can, make a sketch of the scene, or, if your mobile phone has a camera, take pictures of the road layout, the position of the vehicles, skid marks, collision points and the damage caused.
Other important information
Third Party insurance covers you against claims made by others against you. For example, if it is proven that you were the cause of an accident involving another vehicle (third party) your Third Party insurance will cover any costs you may be liable for. These include costs relating to death, injury and damage, as well as any legal costs that could be claimed from you.
If you do receive any claim from a third party, please pass the correspondence on to us immediately, so that we can deal with it on your behalf (in accordance with your policy contract and provided that the terms of your policy have been met).
We have a dedicated team available to deal with third party claims. This team also specialises in the recovery of the cost of repairs, including your excess, should the accident have been caused by the other driver.
Once we have established that your vehicle cannot be repaired, a Claims Negotiator will contact you with the details of what to do next and what documentation is required to settle your claim.
If your vehicle is stolen or hijacked:
If we are unable to recover your vehicle, our Claims Department will let you know what to do next and what documents we need in order to settle your claim as quickly as possible.
Know your rights!
If you are unlucky enough to be involved in an accident you can expect a host of tow trucks to arrive, all clamouring to be the one to tow your vehicle away! Worse still, you could find a police officer advising or insisting that you choose a particular tow operator to clear the accident scene. Here’s what you should know:
As a Mutual & Federal comprehensive motor vehicle policyholder, you automatically have access to Swift Accident Management Solutions’ 24 hour towing service. If your car is not drivable, you should call them immediately on 0860 24 7 365. (Note: even if your motor vehicle is only insured with us for Third Party, Fire and Theft or Third Party only, our management help-desk will continue to assist you. However, the towing costs will be for your own account, subject to your Mutual & Federal policy terms and conditions).
When the towing operator dispatched and authorised by the Swift Accident Management Solutions help-desk arrives, he should be both professional and courteous. Should the service not live up to your expectations, please take the relevant name(s) and motor vehicle registration, and report your complaint to us. We will ensure that appropriate action is taken.
If you would like more information about any of the Mutual & Federal Vehicle Insurance products and services mentioned here, call us now on 0860 22 55 63 or submit your details and we’ll call you back.
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