How many auto insurance claims are filed each year - Advice on buying the most economical car insurance

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Recent studies have revealed that the UK has started to see a significant decline in the number of car insurance claims made per year, falling 8% in the first half of last year (2018) to 326,699.

It is interesting to note that while the number of car insurance claims in the UK has decreased significantly, the average cost of car insurance is still higher than in previous years.

Reading: How many auto insurance claims are filed each year

Regardless of these facts, it remains essential that each and every driver in the UK obtain insurance. this is a legal requirement, and failure to do so can have serious consequences, including an unlimited fine, indefinite ban from driving, and possible seizure and destruction of the uninsured vehicle.

Unfortunately there are still a significant number of drivers across the UK who are uninsured on their vehicles, the current estimate of uninsured drivers in the UK is around 1 million which is 4% of motorists in the country.

With so many uninsured drivers on the road, it’s important to make sure you not only have the correct insurance for your vehicle, but also know how to make claims on your insurance. But how do you make a car insurance claim? And under what circumstances should I make such a claim?

Throughout this article, we’ll explain exactly how to make such claims, while exploring some of the other frequently asked questions on this topic.

what to do after a traffic accident

If you are involved in a car accident, depending on the severity of the damage caused, you may need to file a claim with your insurance. This will depend on the nature of the incident, however there are some courses of action that should definitely be taken after a car accident has occurred:

Take pictures of the accident, including the damage done to your vehicle and the location of the accident.
If you are injured, be sure to seek medical attention immediately and make sure all injuries sustained from the accident have been officially recorded by a medical professional.
if applicable, e.g. hit-and-run or involving an uninsured driver, report it to the police as soon as possible.
Tell your auto insurance provider about the accident as soon as possible. this is applicable even when you are not going to make a claim on your insurance.
Exchange all details with all other drivers involved in the accident, including your name, contact details and the registration number of the other vehicles involved.
at the scene of the accident, do not admit that the crash was your fault.

How do you make a car insurance claim?

You can file a claim on your motor vehicle insurance simply by completing a form from your insurance company. In addition, depending on the circumstances of the accident, you can also contact the insurers of the other driver involved. When making a claim through your own insurer, you will be asked to provide details of the other drivers involved and the accident itself; including any witnesses who might testify to the claim. it is important to ensure that you retain all documentation related to the claim.

Comprehensive Insurance Coverage: If you are involved in a car accident and have a comprehensive insurance policy, it may be best to claim damages from your insurer. When your insurance company can’t collect money from the other driver’s insurer, you risk losing a no-claims bonus. forces compare can help you compare car insurance with over 100 different brands. Our online application is free to use and only takes 5 minutes to complete.

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Uninsured Losses: If another driver has caused damage to your vehicle or bodily injury, you can make a claim on this driver’s insurance coverage. this is usually done when your own insurance policy will not cover specified injuries and/or losses, and is known as uninsured losses. Uninsured losses may cover accident costs such as personal injury and alternate transportation required when your car is in for repairs from the accident.