In the previous part to this article I explained that I’d recently had a car accident and covered the tips and information you should know if you’re ever in a car accident and what you need to do in order to claim on your car insurance. This second part will look in to what you need to do when calling the insurers.

Now you are back home and a few hours may have passed since the accident it is time to begin letting your insurers know about your crash. Before calling you should know that they are likely to ask a question about almost anything, so get your story straight, don’t lie as they will find out, maybe write down a list of points that you remember about the accident. When calling the insurers I was asked everything and was quite tough as I hadn’t made that kind of phone call before, fortunately the person on the other end of the line was very friendly and supportive.

Once you’ve given them all the details of both yourself and the other driver then they’ll want to know how much damage you think has been done, now you may not be a mechanic and so if you don’t have an idea of how much money it will cost just give a brief description of how bad the damage is, I actually took the phone outside and took a good look at the car and detailed the damage to the agent on the phone. Read more »

Although each car is different from the other there is one aspect which is common to all - the need for car insurance. Irrespective of its make, model and price, every car owner needs to get their car insured to protect it from the various perils that it is exposed to in its day-to-day usage. However, it is important to look at the different benefits and risk coverage offered by the insurance company before getting the car insured. Usually, the insurance provider that offers a whole lot of benefits at low premium rates is deemed to be the best.

In Australia, there are some car insurance companies that provide flexible, convenient and affordable car insurance. These car insurers offer multiple insurance benefits and cover the automobile against damage/loss of the car, damage caused to other vehicles or damage caused to other people or their property by the use of the insured car. The best part is that you get all these benefits at a very low cost premium! The premium amount of the car is variable, and depends upon some factors such as:

- The make, model and price of the automobile Read more »