Being involved in a car accident can be stressful, particularly if it is your first time dealing with an insurance claim. While every situation is different, understanding what generally happens after an accident can help make the process feel a little clearer.
This article provides general information about how car insurance claims are typically handled when you have insurance through AANT. It does not take into account individual circumstances or provide personal advice.
After an Accident
Immediately after an accident, safety comes first. If anyone is injured or in danger, emergency services should be contacted.
Once everyone is safe, some people choose to gather basic information at the scene. This may include the contact details of other drivers involved, vehicle registration numbers, and photos of any damage. This information can be helpful later when discussing what happened or lodging a claim.
If the incident involves theft, fire or significant damage, reporting the matter to the police and obtaining a report number may also be relevant, depending on the circumstances.
Getting in Touch to Make a Claim
If you need to make a car insurance claim, the claims process is handled by CGU Insurance, the insurer for AANT car insurance.
Claims can be lodged by contacting CGU on 13 24 80, which is available 24 hours a day, seven days a week. When getting in touch, having details such as your policy number, a description of what happened, and information about other vehicles or people involved may help the process get underway.
Once a claim is lodged, you will usually be provided with a claim number that can be used for future reference.
What Generally Happens Next
After a claim is lodged, it is generally reviewed to understand what has occurred and how the policy may respond. This may involve checking the details of the cover, reviewing the information provided, and asking for additional details if needed.
In some cases, an assessment of the vehicle damage may be required. Depending on the situation, this could involve an inspection of the vehicle or contact with a repairer. How this works can vary depending on the nature of the claim and the type of cover held.
Providing Information During the Process
As a claim progresses, additional information may be requested. This could include further details about the incident, documents, or photographs. Providing accurate information when requested can help support the assessment process.
Throughout the claim, communication may take place by phone, email or other methods, depending on what is needed at each stage.
Excess and Claim Outcomes
If an excess applies to a claim, the amount and circumstances in which it is payable are outlined in the policy schedule and Product Disclosure Statement.
In some situations, such as when another driver is identified and found to be responsible, an excess may not apply. In other situations, an excess may be payable.
Once all relevant information has been reviewed, the outcome of the claim will be communicated. Outcomes are based on the policy terms, conditions, exclusions and limits, and on the information provided as part of the claim.
Every Claim is Different
No two claims are exactly the same. How a claim progresses can depend on many factors, including the type of incident, the cover held, and the individual circumstances involved.
Reviewing the Product Disclosure Statement can help provide a clearer understanding of how claims are handled and what to expect under a particular policy.
Learn More About Making a Claim Through AANT
If you have car insurance through AANT and need to make a claim, CGU Insurance can be contacted on 13 24 80 at any time. Further information about the claims process is also available via the AANT website.
Important information:
This insurance product is distributed by Automobile Association of Northern Territory Inc ABN 13 431 478 529, an authorised representative of the issuer Insurance Australia Limited ABN 11 000 016 722, AFSL 227681 under the CGU Brand. Any advice provided is general advice only and does not take into account your individual objectives, financial situation or needs (“your personal circumstances”). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement. The Product Disclosure Statement and Target Market Determinations are available from aant.com.au
