Content type: Explainer

What to do after a car accident: the claims step-by-step

A calm, documented claims process protects your position if you need to claim on your motor insurance after a collision, theft or write-off.

At the scene

Exchange details, photograph the damage and surroundings, and avoid admitting fault.

Starting the claim

Notify your insurer promptly, supply the facts, and get a repair or total-loss valuation. If you disagree with a total-loss offer, you can challenge it and, ultimately, escalate to the ombudsman.