Accidents happen. Knowing the right steps can help your claim proceed smoothly and reduce stress.

Ensure safety first. Move to a safe location if possible. Check for injuries and call emergency services if needed. Do not admit fault at the scene.

Report to the insurer. Most Australian policies require you to notify your insurer as soon as possible—ideally within 24 hours. Delayed reporting can affect your claim.

Gather evidence. Take photos of the scene, vehicle damage, licence plates, and dashcam footage if available. Note the time, location, weather, and road conditions.

Exchange details. Get the other driver’s name, contact details, licence number, vehicle registration, and insurance information. If the other party refuses, note their vehicle details and report to police.

Contact the police. In some states, reporting is mandatory for certain types of damage or injury. Even if not required, a police report can support your claim.

Get your vehicle assessed. Your insurer may nominate an approved repairer. Co-operate with their assessment process and keep records of all communications.

Keep records. Hold onto receipts for towing, repairs, hire cars, and any related expenses. These may be claimable under your policy.

If you’re unsure about the process, your broker can help guide you through the steps and ensure your policy is used effectively. They can also assist with understanding excesses, fault determination, and whether to make a claim.

Regularly reviewing your motor insurance ensures your cover matches your usage, such as business travel, towing, or carrying tools. This helps avoid gaps in protection when you need it most.