What do you do when you have had an accident?

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I've been involved in an accident, what should I do?
Stop immediately and give assistance to any injured person. Call for an ambulance if one is required. Exchange details with other people involved, including:
  • Date, time and location of the accident
  • Name, phone number and residential address of the person responsible
  • Licence and registration details
  • Make and model of cars involved in the accident
  • Insurance policy details, if known
Collect names and details of any witnesses, as well as police officers.
What if my vehicle needs towing?
Call our 24 hour accident hotline on (02) 6654 1922! We will arrange for your vehicle to be towed. If your car is still drivable and in a high traffic area you should try and move out of the way of oncoming traffic to avoid another accident.
Should I admit fault?
No! Even if you believe that the accident was your fault, you should never, ever admit fault to anyone other than your insurance agent or your lawyer. Never discuss your feelings with the other involved party and never agree to pay for any damages. Instead, don't discuss it at all and remember that anything you say can and will most likely be utilized against you. Many people wrongly admit fault because they get so caught up in the emotions of being in an accident and often feel they are at fault, even if they are not, that they accept blame without thinking or evaluating the facts. So, don't get caught up in the moment, you may make an untrue statement.
Should I phone the police?
Only call the police if:
  • A person has been killed or injured
  • The other party fails to stop and/or supply their details
  • A vehicle has to be towed
  • A driver appears to be under the influence of alcohol or drugs
  • Damage to property
Any accident should be reported to the police assistance line on 131444 as soon as possible.
Do I need to let my insurance company know about the accident
before I get a quote on the damage?
Yes! Contact your insurance company to report the claim. Most policies require the accident to be reported before approving your claim. After we have quoted the damage to your vehicle, we will organise for your insurance company to inspect the vehicle and approve some paperwork so we can get started. Make sure you have all the details of the other people involved in the incident – your insurance company will need them and will help speed up your claim.
What if I'm not at fault?
You will still need to contact your insurance company to report the accident. Even when you are not at fault putting the claim through your own insurance will avoid all the delays and dramas associated with a third party claim. If you have all the details of the other party involved, you shouldn't have to pay any excess and will not increase your 'No Claims' bonus.
Who do I pay my insurance excess to?
In most cases, the insurance excess is collected by the repairer, on behalf of the insurance company, and will need to be paid prior or on collection of your vehicle.
Do I have a choice of repairer?
Most insurance companies allow you to choose your preferred repairer, however should refer to your policy.
How will I know when my car is ready?
We keep you informed throughout the repair process, by your choice of telephone, SMS or email. Feel free to call or email us any time during the repair process if you have any questions or concerns.
Is there a warranty on the repairs to my vehicle?
We guarantee all our work.
When is my car a write-off?
This does depend on your insurance company. Most value the damaged vehicle accident and then, if the cost of repairs plus the value of the damaged vehicle is greater than the amount your vehicle is insured for, they declare the vehicle a "Total Loss". In most cases the vehicle then becomes the property of the insurance company.

Find your Insurance Company contact details here:

Find Insurance Company


 

Our Address    6 Featherstone Drive
    Woolgoolga 2456

 

Phone
    (02) 6654 1922

 

Fax
    (02) 6654 1919

 

Email
   sales@coffscoastcc.com.au