Table of contents
- What happens if I’m involved in a car accident?
- How long should I wait before claiming on my car insurance?
- How long does an insurance claim take?
- Why could my car insurance claim be rejected?
- Does a claim affect my car insurance?
- Do additional drivers have different restrictions?
- Car insurance claims: final thoughts
We’ve taken the most general questions asked by drivers throughout the UK about making a car insurance claim and compiled them with our answers below.
Make sure you and everyone in your car is safe
Whilst you may be concerned about your car or your possessions, your life and the safety of your passengers is more important.
Move to a safe place away from the immediate scene of the accident, if you’re able to do so and if needed contact the emergency services.
Calling the emergency services
It is important you let the professionals do their job. If you or anyone involved in the crash is injured, you need to call 999 and explain your situation to the best of your abilities.
Other reasons for calling the emergency services:
- The accident is blocking the road or there is debris on the road
- There is damage to the road surface or street furniture; for example, lampposts, traffic lights, barriers, signs etc.
- The other person involved in the accident has left the scene without leaving contact information
- You feel that the situation is not being handled correctly and could escalate
Remember: fleeing the scene of an accident without leaving contact/insurance details can land you with a fine up to £2,500 or 10 points on your licence.
Exchange insurance and contact information
Anybody involved in a car accident must, by law, leave their name and number for insurance purposes. This applies even if you’ve hit a parked car. You still need to make sure you leave your details in a place which the driver will see (usually on the windscreen).
The most important information needed:
- Car registration number
- Insurance details
- Contact numbers (be sure to double check this number before the other driver leaves the scene – a quick test call won’t hurt!)
How to save time, hassle and costs
An accident can be very stressful, which makes remembering all of the details correctly much more difficult. If you don't have a black box or dashcam installed in your car, it's important that you or your passengers are able to take pictures or videos of:
- Make, model and colour of any vehicles involved
- New vs. old damage
- Location of impact
- Any injuries to yourself or other passengers
And, if you can, take a note of the driver’s appearance. This could be helpful in the event of speaking to police should the other driver flee the scene.
Pro tip: Don’t try and take a picture of theother driver, this could further aggravate an already difficult situation!
Any information you can provide to your insurer to show what has happened will help them with your claim and help make sure you’re protected.
As the old saying goes; the sooner the better.
If it’s not possible to call your insurer from the scene of the accident, then it’s important you do it as soon as you can. Most insurers have their own restrictions on how long you have to report a claim – some of which can range from a few days to a number of weeks.
If you’re unsure or want to settle the claim quickly, we suggest you leave it no longer than 24 hours.
This question is one of the most commonly asked amongst drivers and for good reason. The longer a claim takes, the longer you could be without a car. This could also affect your financial situation should you need to hire a car for the duration of the insurance claim.
The length of time you can expect to wait before a claim is settled, largely depends on the type of claim you’re making. For example:
- Personal injury claims – have the potential to take a long time if medical assessments or additional treatment is needed.
- Total loss claim – this means your car isn't repairable (also known as a write-off). At this point, your insurer will agree a settlement figure with you which is likely to be agreed within 30 days, once your insurer has assessed the car and agreed it is a write off.
- Physical damage (to vehicle) – usually the quickest type of claim depending on the complexity of damage to your car and the availability of your insurer’s preferred body shop.
Be sure you take the proper precautions by taking photos of the damage, reporting the incident within 24 hours and providing the necessary insurance information, to help speed the claims process up.
Here are some common things to avoid which could cause delays to your car insurance claim:
- Poor communication with your insurer
- Disputes about the level of cover available
- Being particular about the body shop your car is being repaired in/ not using the approved repairer
- Not being able to pay your excess if your insurer requests it upfront
- Missing appointments organised by your insurer (your car may need to be assessed to see levels of damage)
Imagine being involved in an accident and having your car written off only to find out that you can’t actually make a claim on your car insurance.
A lot of rejected claims could have been avoided. So, here’s a list of very common reasons why your car insurance may not cover you in the event of a claim.
Not reading the small print!
It’s a real shame but we’re all guilty of it. We often focus on the more obvious elements of car insurance and forget to go through the more intricate details of cover.
Each insurer has their own policy clauses, which drivers have to agree to, that enables them to make a claim. If, for some reason, you have overlooked an important section in your policy documents, it could mean bad news for you.
Set yourself an hour or so aside to go through your entire policy document.
Lying about your insurance details
I’m sure you’ve read about the ways people are saving money on their car insurance by slightly bending the truth about their address, their occupation or the amount of miles they’ll be driving.
There’s a time and a place to lie about your details (I’m thinking age on a first date!) but, with insurance, if details are incorrect, your insurer could increase your premium, cancel your policy, treat is as if it never existed, refuse a claim or not pay the claim in full.
Be honest about your situation at all times during your policy. This also means if any of your details change.
Modifying your car and keeping it quiet
You would be surprised that something like altering your car’s badge could cause your car insurance to become invalid in the event of a claim.
Whilst this is an extreme example, it can happen. It pays to inform your insurer of any alterations to your car; no matter how big or small.
Your car needs to be as described to the insurer when you initially took your cover out.
Out of date documents
It is required, by law,that you keep any legal documents up to date.
- Driving licence
- Any additional badges or licences you may need to be on the road
If any of the necessary documents you need are close to expiring, make sure you take the proper steps to keep your car legal.
It doesn’t matter if the document is out of date by a single day – this could be reason enough for your claim to be rejected.
There are many ways in which a claim could affect your car insurance premium.
A common misconception is that only “at-fault” accidents impact on the cost of your insurance.
In fact, any type of claim under your car insurance policy could affect the amount you pay at the next renewal of your policy. Insurance prices are based on a number of different factors, and one of the biggest potential discounts you can earn is from any No Claims Discount (NCD) you have earned.
Maximum No Claims Discount can be 50% - 75% discount depending on your insurer!
An “at-fault” claim indicates that your insurer wasn’t able to recover all the costs incurred settling your claim. It doesn’t always identify which party was responsible for the accident. If a claim is settled as “at-fault”, this can result in any No Claims Discount you have earned being reduced or removed from your insurance policy entirely. Unless you have chosen to protect it.
Likewise, a “non-fault” accident means that your insurer has been able to recover all of the costs incurred settling your claim. If a claim is settled as “non-fault”, your No Claims Discount will not be affected and will increase at the next renewal of your policy.
Pro Tip: Having a dashcam installed in your car, or buying black box insurance, where all your journeys are recorded, can help the insurer prove what happened in the event of an accident. If your insurer can prove you were not “at-fault” you are more likely to keep your No Claims Discount and avoid paying any excess.
If you have additional drivers on your car insurance policy, it’s always best to check what usage restrictions are applicable. For example: not every insurance provider offers business use as standard for additional drivers.
And, yes, this means your named driver may not be covered to use the car for work.
It’s also important to know where you can look and check you’re covered properly within your policy documents. Normally, you’ll find any information about additional drivers (or named drivers) on your certificate of insurance.
If, after hours of searching, you can’t find anything, it would be best to give your insurance provider a call.
Accidents happen. You can try your best to avoid them by being safe, staying aware of your surroundings, and sticking to the rules of the road.
However, sometimes, no matter how hard we try, we’re in the wrong place at the wrong time. It’s at this point you should remember to protect yourself by being vigilant, being upfront and honest with your insurer and by staying legal.
We recommend you prepare yourself by understanding the details of your policy (even the really boring small print) and by researching commonly asked question amongst other drivers. You will soon see a very clear picture of how drivers deal with claims which could help you avoid difficult and drawn out claim situations.
- Read the small print
- Make sure you know what to do if you are involved in an incident
- Keep all your important numbers to hand
Pro tip – put your claims and breakdown numbers in your phone when you take out your policy, so they’re to hand if you ever need them.
The processing time can be defined as the time taken for entire procedure to run and end with the resulting numbers of processors and cycles.How do you calculate processing time? ›
On any given processor, the total waiting time for an ordered set of processes taking time P1.. PN to complete is the total of individual elapsed times multiplied by the number of waiting processes remaining: (N - 1)P1 + (N - 2)P2 + ... + PN-1.Why is processing time important? ›
By analyzing the processing time of each process step, you should be able to identify where some process improvements might be. Steps of long duration might end up being bottlenecks, which will delay subsequent steps from moving the item through the process.What is effective process time? ›
An Effective Process Time (EPT) approach is proposed for the building of aggregate models to represent multi-server tandem queues with finite buffers. EPT distributions of the workstations in the flow line are measured without identifying the contributing factors.What is average processing time? ›
Definition. The term average processing time refers to a calculation that allows a company to understand how much time it takes to process a transaction. The typical transactions examined for this metric include payments to suppliers or invoices issued.How is processing time calculated in operations management? ›
- activity time = service time factor (average processing time p)
- (utilization / 1 – utilization) = utilization factor.
- ((Cv_a^2 + Cv_p^2) / 2) = variability factor.
Process lead time (PLT) is equivalent to the work in process (WIP) divided by the exit rate (ER). For example, if you have 20 widgets in process and they exit the line at 2 every minute, then you have a process lead time of 10 minutes.How do you explain processing speed? ›
Processing speed is how long it takes someone to get something done. Some people take longer to process information than others. Slow processing speed isn't related to intelligence.What does slow processing mean? ›
About slow processing speed
Slow processing speed can happen on its own. But it often co-occurs with ADHD, dyslexia, and anxiety. Telling people with slow processing speed to “hurry up” can add to their anxiety and make them take longer to complete a task. Get tips on how to talk to kids about slow processing speed.
Slow processing speed can be caused by damage to the neurological pathways. However, more often, young people process information slowly as a result of difficulty controlling attention, inefficient access to stored knowledge and skills, or breakdowns in the systems that support organised thinking and processing.
The process time is the time a workpiece takes to enter and exit a workstation. Cycle time normally refers to the time it takes to work on a unit from start to finish.How do I add processing time on Shopify? ›
- From your Shopify admin, go to Settings > Shipping and delivery.
- In the Processing time section, click Manage.
- Select Use processing time to show delivery dates to customers.
- In the Your processing time field, select the processing time that applies to your business.
- Click Save.
|Stream||75% of applications processed||90% of applications processed|
|Tourist||20 days||33 days|
|Business Visitor||9 days||20 days|
|Frequent Traveller||5 days||18 days|
|Sponsored Family||50 days||70 days|
It greatly varies. Some people get assigned a case officer after 4 weeks, some after 8 weeks. Then after that the case officer might ask for additional docs. It may take them another 3 days or even weeks to respond.How do you measure process capacity? ›
- They are calculated by means of the following formula:
- Human capacity = actual working hours x attendance rate x direct labor rate x equivalent manpower. ...
- Machine capacity = operating hours x operating rate x the number of machine.
What is the relationship between the processing time at a resource and at its capacity? Demand > supply and the flow rate = process capacity is capacity-constrained.What is lead time in cost accounting? ›
Lead time is the sum of the time required to place a replenishment order and for a supplier to deliver the ordered goods. A business must maintain a sufficient amount of inventory on hand to keep it from running out before the replenishment order arrives.What is product processing time? ›
Processing time is the time between when an order is placed by a customer and when the order is fulfilled by the business.What factors affect lead time? ›
Factors that can impact lead time include lack of raw materials, breakdown of transportation, labor shortages, natural disasters, and human errors. In some cases, companies can improve lead times by implementing automated stock replenishment and just-in-time (JIT) strategies.What does processing time mean Uscis? ›
Processing time is defined as the number of days (or months) that have elapsed between the date USCIS received an application, petition, or request and the date USCIS completed the application, petition, or request (that is, approved or denied it) in a given six-month period.
The lead time is therefore all the process times added up to each other, plus all the waiting times between the process steps. When there are parallel processed in a value stream with different process times, the longest one is taken into account for the Lead time calculation.What is process cycle time? ›
Cycle Time is the amount of time a team spends actually working on producing an item, up until the product is ready for shipment. It is the time it takes to complete one task.What is process lead time? ›
Process lead time (PLT) is equivalent to the work in process (WIP) divided by the exit rate (ER). For example, if you have 20 widgets in process and they exit the line at 2 every minute, then you have a process lead time of 10 minutes.Will USCIS speed up 2022? ›
USCIS Extends Premium-Processing to Certain Pending Immigrant Petitions. On May 24, 2022, U.S. Citizenship and Immigration Services (USCIS) announced an expansion of premium processing service to two additional categories of Form I-140 immigrant petitions.How many cases does USCIS process a day? ›
According to documents obtain by The Washington Post, USCIS is creating the “Organization of Professional Responsibility” to enhance oversight of the way its employees handle the more than 26,000 cases the agency decides each day.Why is USCIS taking so long to process 2022? ›
The reasons for these delays are twofold: (1) the COVID19 pandemic impacted the efficiency and productivity of USCIS and all government functions, including mail delivery, and (2) the Trump Administration delayed processing of visa petitions as a way to reduce the number of legal immigrants entering the United States.What are the five lean principles? ›
According to Womack and Jones, there are five key lean principles: value, value stream, flow, pull, and perfection.Is process time the same as cycle time? ›
The process time is the time a workpiece takes to enter and exit a workstation. Cycle time normally refers to the time it takes to work on a unit from start to finish.How do you measure lead time? ›
It's calculated as the time available for work divided by the number of completed stories needed. For example, when 20 user stories arrive per week, you'd have to complete stories in 0.25 days to keep up.What is an example of cycle time? ›
Cycle time = Average time between completion of units. Example: Consider a manufacturing facility, which is producing 100 units of product per 40 hour week. The average throughput rate is 1 unit per 0.4 hours, which is one unit every 24 minutes. Therefore the cycle time is 24 minutes on average.
Cycle time is a measure of the elapsed time when work starts on an item (story, task, bug etc.) until it's ready for delivery. Cycle time tells how long (in calendar time) it takes to complete a task.What is lead time in cost accounting? ›
Lead time is the sum of the time required to place a replenishment order and for a supplier to deliver the ordered goods. A business must maintain a sufficient amount of inventory on hand to keep it from running out before the replenishment order arrives.What factors affect lead time? ›
Factors that can impact lead time include lack of raw materials, breakdown of transportation, labor shortages, natural disasters, and human errors. In some cases, companies can improve lead times by implementing automated stock replenishment and just-in-time (JIT) strategies.