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What To Do If Your Friend Crashes Your Car

Published On Oct 20, 2020 5:30 AM By InsuranceDekho

When Someone Else Causes An Accident With Your Car

It is surely a stressful situation if your car has been crashed, more so if it is by someone other than you. You may be confused as to questions of liability, but first and foremost you should look after the situation from a medical perspective and ensure that everybody is safe. Here are a few steps to follow if your car has been crashed by your friend, or someone other than you who is driving:

What To Do When Someone Crashes Your Car

Let's know about car insurance liability if your friend crashes your car.

STEP 1: Emergency First Aid

The first thing to do at an accident scene is provide emergency first aid. Your car first aid kit should help you do so. You should call an ambulance and provide the best level of first aid care that you are able. Stop any bleeding and remain at the scene until medical help arrives.

STEP 2: Call Your Insurance Company

After you have administered emergency care, your next step should be to call your Car insurance provider. Request them to have your car towed to the nearest garage. It is very important that you do not try to drive the damaged car yourself, and wait for it to be towed.

STEP 3: Record Evidence

You may want to take pictures and record videos of the accident scene. It is important that you do not tamper with the scene in any way. However, making a record of the scene can be useful later in the claims process.

STEP 4: Register an FIR

Next you will need to contact the police and register a First Information Report (FIR). This is necessary to proceed with the insurance claim process.

STEP 5: Collect Details of the Person Driving

You will need to know the details of your friend who was driving. The important details to know are whether they were intoxicated in any way, and whether they have a valid drivers’ licence. You will be asked about this during the claims process.

STEP 6: Check Your Insurance Policy

After noting the above mentioned details, and answering questions regarding the same, you will have to check if your friend is included in your insurance policy. You will only be able to claim insurance if this is the case, and if your friend was driving without being under the influence, and with a valid drivers’ license.

STEP 7: Make an Insurance Claim

If you have a comprehensive car insurance policy, the damage to your car should be covered by it, provided the above mentioned details are in place. You should be able to make the claim online. It is important that you do not try to make any repairs yourself without raising a claim.

Types of Car Insurance You Should Know:

Third Party Car Insurance

Comprehensive Car Insurance Policy

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Responding to an accident should always include prioritising the injured and their medical needs, no matter who is involved. It is important to record the scene and note the details without tampering with it. If your friend is driving responsibly and is included in your policy, it is likely that you should be able to get a claim settled.

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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