If you’ve been unlucky enough to have experienced a car accident, the last thing you need is be worrying about the financial and legal implications you may face. While most people will be as shaken as you, there are a few less genuine people out there who might decide to take advantage of the UK’s generous insurance system.
Sadly, accident and insurance scams are rising, with personal injury from ‘crash for cash’ claims rising a massive 51% in 2014, according to Aviva. However, we’ve got a few top tips which should help keep you safe from scammers:
1. First and foremost, make sure you’re safe, stay calm and don’t admit liability at the scene of the incident
2. Don’t challenge the other driver with any suspicions you might have
3. Call the police on 101 – the non-emergency line to report the accident
4. When calling the police and insurance companies, make sure you use your own phone so you know who you’re speaking to
5. Get as many details about the other vehicle involved as possible, including the registration number, make, model and colour
6. Ask for the passengers’ details, including their names, ages and addresses along with noting how many people were in the car and where they were sitting
7. Take your own recorded evidence, photos of both vehicles and the scene could help the insurers and police investigations
8. Ask around for independent witnesses – but be wary of anyone who seems too enthusiastic as they could be part of a scam
9. Report the incident to your insurance company
10. Check your vehicle to see if it’s safe to drive away– it’s better to be cautious so if you’re in any doubt call your roadside assistance
For more information on how to deal with an accident, check out our guide.