Making a Car Insurance Claim: What to Expect and How to Avoid Problems

Making a car insurance claim can feel stressful, particularly after a car accident. Knowing what to do first, what information to gather, and how the claims process works can make a big difference to how smoothly your claim is handled.

This guide explains how to make a car insurance claim in the UK, what usually happens after an accident, and how to avoid common problems that can delay or complicate claims.

When should you make a car insurance claim?

You should consider making a claim if your vehicle is damaged, there are personal injuries, or property damage has occurred following a car accident.

Even if you decide not to claim, it is still important to inform your insurance company about the incident. Failing to report an accident could cause issues with future claims.

Check whether your current car insurance still meets your needs.

What to do first after a car accident

The first thing to do after a car wreck is to make sure everyone is safe.

If possible:

• Switch on hazard lights to warn oncoming traffic
• Move vehicles to a safe position
• Check for injured people and call emergency services if needed
• Stay aware of traffic signals, traffic signs, and road conditions

Emergency responders or police officers may attend if there are injuries or significant damage.

Compare Car Insurance

Save up to £523* on your car insurance

Compare Quotes Retrieve Quote

What information should you collect at the accident scene?

Gathering clear details early helps create a solid foundation for your claim.

Important details include:

• Contact information and phone number of all drivers
• Vehicle registration number and licence plate numbers
• Insurance information for each party
• Time of the accident and weather conditions
• Number of vehicles involved
• Photos showing vehicle damage, skid marks, road conditions, and traffic signals
• Witness accounts, if available

This information supports proper documentation and can make a huge difference later.

Review your car insurance policy to see if it still fits your needs.

How do you make a car insurance claim?

Most insurers allow you to make a car insurance claim:

• Online
• By phone
• Via a mobile app

Once reported, your insurance provider will explain how the claims process works and what documents they need next.

What happens after you submit a claim?

After your claim is logged:

• A claims handler or insurance adjuster reviews accident details
• Evidence is assessed, including photos and statements
• Repair estimates may be requested
• A decision is made on cover and settlement

Some claims move quickly, while others take longer depending on damage, injuries, or third-party involvement.

How do insurers decide who is at fault?

Insurers assess fault using:

• Driver statements and version of events
• Witness accounts
• Damage patterns on vehicles
• Police reports or an official record if available

Fault decisions are based on evidence, not opinion, and aim to establish a strong case supported by clear details.

Compare car insurance cover to understand how policies differ.

What happens if someone else claims against your insurance?

If a third party makes a claim against your policy:

• Your own insurer will manage the response
• Evidence from both sides is reviewed
• Liability may be accepted or disputed

Your insurer handles legal proceedings and negotiations on your behalf, even if you believe you were not at fault.

What happens if I need to make a claim for a hit and run accident?

If the other driver leaves the scene:

• Call the police and request an official report
• Record accident details, including time, location, and road layout
• Note any partial registration number, vehicle description, or badge number if possible
• Take photos of the car accident scene and surrounding area

A police report number and copy of the police report can support your car accident claim, especially where the other driver cannot be identified.

Compare Car Insurance

Save up to £523* on your car insurance

Compare Quotes Retrieve Quote

How long do car insurance claims usually take?

Claim times vary:

• Minor vehicle damage claims may take weeks
• More complex claims can take several months
• Personal injury claims often take longer

Your insurance company should provide updates throughout the recovery process.

Will making a claim affect future premiums?

Making a claim may affect:

• Your no claims discount
• Renewal pricing
• How insurers assess future risk

Non-fault claims can still be recorded, even where costs are recovered.

Compare car insurance prices to see how cover and costs vary.

What if your claim is delayed, disputed, or rejected?

If problems arise:

• Ask your insurer for clear reasons in writing
• Keep copies of all correspondence and documents
• Follow the insurer’s formal complaints process

Unresolved disputes can be escalated for independent review, ensuring fair compensation where appropriate.

How can you avoid problems when making a claim?

You can reduce delays by:

• Taking quick action after the accident
• Providing accurate and consistent information
• Keeping copies of photos, reports, and communications
• Responding promptly to requests for details

Good documentation and immediate action help build strong evidence.

Is it worth reviewing your insurance after a claim?

A claim often highlights how well your insurer communicates and supports you during difficult situations.

Check if your car insurance still suits your level of risk.

Correct as of 09 February 2026

FAQs about making a car insurance claim