What To Do After A Car Accident

Check out this handy checklist from An Post Insurance about what to do in a car accident
Check out this handy checklist from An Post Insurance about what to do in a car accident

This blog has been written and provided by An Post Insurance - #ad.

I Had a Car Accident: Now what do I do next?

Check out this handy checklist from An Post Insurance!

Whether it’s a nudge in a car park or a more serious crash on the road, many of us will hear the squeal of brakes and the crunch of a bumper at some point in our lives while driving in Ireland. Thankfully, most car accidents involve no more than some scuffed metal and a bruised ego or two, but they do make for a stressful experience. Being prepared can help you avoid panic and get the best result from a difficult situation.

Based on An Post Insurance’s many years of experience working with Irish motorists, they’ve put together a handy checklist of what to do if you are in an accident while driving in Ireland. Keep it in mind should the worst happen when you’re behind the wheel.

1. First things first

If somebody is injured, call the emergency services straight away. If not, you’ll still need to contact An Garda Síochána, as they need to be informed as soon as possible after an accident, and definitely within 24 hours if the crash injures a person or animal or if your car is stolen or damaged. Apart from the legal requirement to contact the Gardai, they’ve also seen plenty of accidents before, and will be able to help guide you through the process.

Car Accident Checklist | What to do in a Car Accident | An Post Insurance
If you have a car accident, use your smartphone to record information and take photos

2. Keep your cool

It’s easy to get flustered and perhaps even angry in the event of an accident, but it’s important that you don’t get into a conversation about blame and don’t accept responsibility – you don’t want to make an off-the-cuff statement you might regret later. Try to stay calm and polite – even if it means counting to ten several times over!

3. Take notes

You’ll need to take the registration numbers and insurance policy numbers of all the cars involved (if the licence plate is damaged, you can find these on the tax disc and insurance disc on the windscreen). You should also get the name, mobile number and the address of the other driver, and any witnesses that might have seen the accident. It’s a good idea to keep a pen and paper in your car for this purpose – it can be difficult to type into a phone if you’ve had a shock. If you feel up to it though, your mobile phone is a great resource for taking photo and video notes – try to capture details of the car’s position on the road and close-up images of any damage caused.

4. Let the experts do their work

Your car insurance company is there to help in exactly this type of circumstance. The Claims department will liaise with the other parties involved, so you should send them all correspondence or information you receive relating to the accident and let them respond for you.

5. Don’t forget the cuppa!

In Ireland, someone will usually offer you a cup of sugary tea after a minor accident. There may not be any medical proof of its powers, but that first sip of hot tea can feel pretty miraculous when you’re in need of a little comfort and calm.

Staying Calm After a Car Accident | Car Accident Tips | An Post Insurance
A good cup of tea can help you to stay calm after a car accident!

If you want to find out more about car insurance that goes the extra mile, get a car insurance quote from An Post Insurance now or reach out directly on 1890 22 22 22.

 

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Liberty Insurance research on car and home emergencies

New Research Into Home & Car Emergencies In Ireland

New research from Liberty Insurance on how we react to home and car emergencies
New research from Liberty Insurance on how we react to home and car emergencies

Liberty Insurance has just launched their ‘Ready for the Real World’ campaign, designed to educate consumers on the importance of preparing for home and car emergencies, and what to do in these scenarios. In advance of the campaign launch, Red C Research conducted a survey on their behalf to find out more about how Irish people are affected by emergencies.

Problems on the road

Conducted among a sample of approximately 500 Irish adults, the research found that more than half of all drivers have continued to drive while a warning light was displayed on their dashboard, with 1 in 10 continuing to drive for over a week before addressing the issue.

22 percent of drivers don’t feel capable of pumping air into their tyres, 41 percent are not confident that they can change a tyre or jump start a battery, and half do not feel confident about changing oil or water. More than 1 in 10 drivers do not feel capable of doing any of these tasks alone.

Overall, when performing these tasks, the research showed women to be less confident than men. Fewer than two in three women aren’t confident changing a tyre, jump starting a battery (64%) or changing water/oil (67%).

In general, it would be good for both new and experienced drivers to learn a few of the basics, like changing tyres, for those car emergencies. However, Liberty Insurance offers 24-hour breakdown assist and home start as standard to all their car insurance customers, so whether you break down in your driveway or on a main road, Liberty Insurance will be there.

Responding to emergencies

The ‘Ready for the Real World’ research shows that a spouse or partner is first point of call for one in three in a home emergency and three in ten in a car emergency. Fewer than one in four would call a tradesperson first in a home emergency.

So what are the most common home emergencies? Interestingly, a blocked drain or toilet is the most common home emergency and a quarter have experienced a burst pipe or roof damage.

Just over 1 in 10 say they do not have the emergency number for their home insurer.

Another surprising fact to come out of the research was that 3 in 10 believe calling their breakdown assistance emergency number would affect their no claims bonus, with younger drivers a lot more likely to believe this.

Of course, this is not actually the case for Liberty Insurance customers. If you need breakdown assistance, they will be there, and it won’t affect your no claims bonus at all. This is the same for their emergency home repair service.

Liberty Insurance Infographic
70% of drivers have experienced a breakdown according to new research from Liberty Insurance

Commenting on the research, Deirdre Ashe, Director of Customer & Markets at Liberty Insurance, said:

“At Liberty Insurance we understand that not everything goes to plan and we’re here to help in those situations. Our research shows that Irish drivers and home insurance owners are prone to emergencies. It also makes clear that we need to be a lot more prepared for these situations, both on the road and at home, and know what to do and who to talk to.”

“For a start, we need to dispel the idea that calling an emergency assistance number will affect someone’s no claim bonus. It won’t. If a driver has been in an accident or has a technical fault with their car, they need to get help immediately for their own safety, and for the safety of other drivers.“

Make sure you're Ready for the Real World with a car insurance policy with 24/7 breakdown assistance and a home insurance policy with emergency assistance.

Disclosure: This article has been provided by Liberty Insurance and is paid for content.