the move to level 2 lockdown, many restrictions have been relaxed to allow
greater personal freedom and to open-up our crippled economy. More people might
be returning to work and also with interprovincial travel permitted this will
result in more cars on the roads and an increased likelihood of accidents.
involved in a car accident can be a traumatic experience that we all wish we
could avoid, but unfortunately it is an unplanned event that has inconvenient
or undesirable consequences.
this reason, it is important that we equip ourselves with knowledge of how to
prepare for such an unfortunate event.
Here’s some Do's and Don’ts that will help guide you in an event of an accident
to make the claims process as easy and convenient as possible:
• Stop immediately: Aside from the fact that leaving an accident
scene is illegal, it is important to stop as civil consequences may arise from
the accident such as claims for damage to property or personal injury. A
complete and accurate account of the accident is therefore of critical importance.
• Call emergency services: If someone is injured or killed it is
important to get emergency services to your location as quick as possible. You
can also make use of your Roadside assistance Emergency services provided by your Insurers. The police or traffic officer at the scene of the accident will take
down a statement and compile a report, especially if someone is injured or
• Get detailed information: Get as much information as you can of
all other motor vehicles involved in the accident such as:
* driver’s names
* identity numbers
* telephone numbers
* description, sketch and/or pictures of the vehicles
* registration numbers and any relevant details from the license discs
* the date, time and address of the accident
* the weather and road conditions
* details of tow truck drivers
* details of police and emergency medical personnel
• Keep notes: Keep extensive notes about all conversations and
receipts for all expenses pertaining to the accident. Having a paper-trail will
assist with your claims process.
• Notify your insurer: It is important to understand, even before
you are in an accident, what your insurance cover entails and to contact your
insurer as soon as possible. Ensure that you have your insurers’ emergency
services telephone number readily available on your cell phone or via an App.
• Don’t panic: Panicking will only cloud your judgement. We know it
is a tough ask when you find yourself in such a situation but try and remain
calm so that you can think clearly and contact emergency services and your
• Don’t move your vehicle: Members of the public are not allowed to
move vehicles until the police arrive at the scene especially if people were
injured or killed in an accident. Moving your vehicle could also impact you
negatively if there are civil consequences.
• Don’t negotiate: It is best to let your insurer communicate
directly with the other party(ies) involved and/or their insurer.
• Don’t allow your vehicle to be towed until you have insurer authorisation: Contact
your insurer as quick as possible is to arrange for an authorised towing
company to assist you. Most insurers include this service as part of the cover
plan. If you do not have towing cover with your insurance, ensure that you have
details of the towing company and the tow truck driver.
• Don’t delay: Contacting your insurer as soon as possible is
important. If you need to submit a claim, it is best not to wait and kick start
your claims process while the incident is fresh in your mind.
of critical importance to read your policy document thoroughly, know
your rights and responsibilities and most importantly what you are covered for
should the unfortunate event of an accident occur. This will help you in
understanding the insurer’s claim process and to avoid finding out at claim
stage that you are not covered for what you thought you were covered for.
assistance please phone our office 031-5021922 or visit our website www.esbrokers.co.za.
Article credits: FANews, written by Vickey Swanevelder, Executive
Head: Claims & Client Experience at Momentum Short-term Insurance