What to do in case of a car accident?

In the event of a car accident, your insurance may cover personal injury and / or property damage. This is even his goal! However, this requires several steps to be taken, in particular, reporting the car accident to your insurer within 5 business days to receive compensation.

🚗 What to do in case of a car accident?

If you are involved in a car accident with another vehicle, we strongly recommend that you complete a friendly report. This document will make it easier to maintain your insurance and, if necessary, better compensation.

The settlement agreement is completed with another motorist and must be signed by both parties. It specifies the circumstances of the car accident and the identity of the drivers involved. Draw a sketch of the car accident situation.

Notre conseil: if another motorist refuses to fill out a friendly report, please note his number of license plate and, if possible, the number of the insurance contract, which is indicated on the sticker affixed to the windshield.

However, be careful: if it is a personal injury accident, contact the emergency services and the police. and the record will be installed at the scene of the accident by police officers.

Then you must report the car accident on your warranty. If you submit a friendly report, it will serve as an accident report. If possible, attach any supporting documents: filing a complaint, testimony, etc.

You can also file a car accident report online on your insurance company's website. In any case, do not hesitate to contact your insurer directly by phone to file a traffic accident report and inquire about the procedure to follow, as well as to get help from your insurer: courtesy car, car repair, damage, etc.

⏱️ How long does it take to report a car accident?

To receive compensation for a car accident, you must report the damage to your insurance company. within 5 working days. Thus, after drawing up the settlement agreement, you have 5 days to send it to the insurer.

We advise you to send by registered mail. If you hand it over to your insurer, ask for a receipt confirming the bond. If you fill out an online car accident report, you also have 5 days to do so.

📝 How to fill out an accident report?

The road accident protocol is filled in. a single copy signed by both parties and each of which retains a copy. The front of the report is divided into two parts: one for each vehicle.

Good to know: if more than two cars are involved in an accident, you must fill out an accident report with each driver.

Each motorist must indicate his identity, his insurer and a description of his vehicle: brand, registration, etc. Then the accident agreement allows you to describe the circumstances of the accident by marking the appropriate situation in the column intended for this purpose.

It is also advisable to sketch a car accident. Also fill in the requisites: witnesses, alarms, etc. Finally, you have a section for your observations. In case of disagreement with another driver, you can indicate this here or provide more detailed information about the circumstances of the accident.

💶 What is the compensation in the event of an accident?

In accordance with the Badinter Act since 1985, any injured person in a car accident receives compensation, be it property damage and / or personal injury, thanks to a civil liability guarantee. This warranty is indeed mandatory and is included in any car insurance.

Compensation for a car accident victim depends on the chosen insurance formula. Thus, full risk formulas provide better compensation than third party insurance.

If a pedestrian is the victim of an accident, the driver's insurance will cover his compensation.

In the event of a run over and escape, the victim in a car accident can grab the Mandatory Damage Insurance Guarantee Fund, or FGAO, which can pay compensation if it is impossible to contact the insurance of the person responsible for the accident.

Good to know: the insurer has to provide compensation for eight months.

Now you know what to do in the event of a car accident. As you already understood, you only have a few days to apply. ominous with the aim of possible compensation. Therefore, always remember to have at least one copy of the friendly opinion in your car!