Scene of an accident information can cut claim time

Fleet drivers who gather information at the scene of an accident can speed up the insurance claims process, says Aviva, the new name for Norwich Union.

Martin Smith, technical motor claims manager at Aviva, said: "Even minor accidents can be inconvenient and distressing for drivers but capturing the right information at the scene will enable their insurers to determine responsibility quicker and reduce the length of the claim for all parties."

As Smith explains, it is a legal requirement to exchange certain information with the other driver at the scene of an incident.

"Exchanging names and addresses is required by law; however drivers can do more that will assist their insurers. Make sure they have a record of contact details of all people involved in, or who witnessed, the incident. Note the make, model and registration number of all vehicles involved as well as the extent of the damage to the vehicles, such as whether they are still drivable. This will help in dealing effectively with the other driver and their insurers.

"Making sure you can supply your insurers with the exact time and location of the incident also helps, as will gathering the details of what happened, including any witnesses or third parties' version of events. But we do urge drivers to avoid becoming involved in conversations about who was to blame and to never admit liability."

In the current economic climate, insurers are likely to see an increasing number of fraudulent motor claims, according to Smith.

"In addition to the legally required information, it can also speed up the claims process if the fleet driver takes note if any person involved is physically injured or is complaining of pain or discomfort. This can be useful in helping to avoid any fraudulent claims such as staged accidents which are an increasing problem.

"If drivers get the chance, a quick diagram of the accident scene showing the road layout, position of vehicles, other relevant features and witness locations can be really helpful. And as many mobile phones now incorporate cameras, and if it's possible and safe to do so, taking photos of the vehicle positions and damage caused is useful.

"Finally, having captured all this useful information, fleet drivers need to ensure they pass it on and report accidents as soon as possible to their insurers."