WHAT SHOULD I DO AFTER AN ACCIDENT?

KNOWING WHAT TO DO NEXT CAN MAKE ALL THE DIFFERENCE

The moments and days following an accident can be confusing. You may be dealing with vehicle damage, insurance companies, recovery arrangements, repairs and questions about how you will get around. You don’t have to try to understand everything at once. Meer United can help you navigate the practical side of the process and coordinate the services that may be required following an accident. Whether you are a private motorist, a self-employed driver, a taxi or private hire driver, or someone who depends on a vehicle for work, we can discuss your circumstances and help identify the appropriate next steps.

WHAT IS AN ACCIDENT CLAIM?

An accident claim is a process through which losses and costs resulting from an accident may be pursued against the party considered responsible, subject to the circumstances and evidence of the individual case.

Following a road traffic accident, there may be several issues to address.

These can include:

• Damage to your vehicle
• Vehicle recovery
• Replacement transport
• Repair costs
• Vehicle storage
• Loss of use
• Business or working disruption
• Personal injury, where applicable
• Other reasonable losses arising from the accident

WHEN MAY YOU HAVE A CLAIM?

A claim may arise when another road user is responsible for an accident that causes damage, loss or injury.

Examples can include:

REAR-END COLLISIONS

Another vehicle has collided with the rear of your vehicle, causing damage and potentially leaving you without transport.

JUNCTION ACCIDENTS

A collision occurs at a junction, roundabout or traffic-light-controlled crossing.

LANE-CHANGE COLLISIONS

Another driver moves into your lane and causes a collision.

PARKING & STATIONARY VEHICLE ACCIDENTS

Your vehicle is damaged while parked or stationary.

ROAD TRAFFIC COLLISIONS

Accidents involving cars, vans, taxis, private hire vehicles and other road users.

MULTI-VEHICLE ACCIDENTS

Accidents involving several vehicles can involve more complicated circumstances and may require additional investigation.

Liability is determined according to the circumstances and evidence of each individual accident.

What If the Other Driver’s Insurer Contacts You?

Following an accident, the other driver’s insurer may contact you directly.

They may discuss repairs, recovery, replacement transport or other arrangements.

Before agreeing to an arrangement, make sure you understand:

• What service is being offered
• What vehicle you will receive
• How long it will be available
• Whether you will have any financial responsibility
• What happens if circumstances change
• Whether accepting the arrangement affects any other part of your claim

If you’re unsure about an offer, you can discuss your circumstances with us before making a decision.

WHAT IF YOU HAVE BEEN INJURED?

If you or someone else has been injured in an accident, medical attention should be the priority. Depending on the circumstances, an accident may involve a separate personal injury claim. Meer United can discuss the practical aspects of the vehicle and accident-management process. Where specialist legal advice is required, you should obtain advice from an appropriately qualified legal professional.