Evaluate Your Eligibility
Before applying for insurance claim with your insurance cover provider, you should evaluate your ability to get your vehicle repaired. The extent of damage will help you to determine it. Sometimes purchase price of your car that you gave at the time of getting insurance for it, is less than actual extent of the damage, and company insists for writing off your vehicle, since cost or repair is greater than the vehicle's purchase price. So be careful at the time you get insurance cover.
In the event of an accident, you should share your and your vehicle's information with the other driver involved. Also, get their complete information and vehicle's details as well. Generally a sheet is filled out with details of accident and information of both parties. Also, if someone is injured in the accident report it to the police immediately.
File For Claim
Soon after you complete worksheet, apply for insurance claim. You can do this either online or get a form downloaded. Fill it out and send with all required documents and pictures of the damaged vehicle at the given postal address. In case of submitting a claim online, you may still be required to send some documents through post. Whatever method you use, do not delay filing a claim.
Be Prepared to Settle Dispute
In an event of accident that involves another vehicle and driver, there is a possibility that you get a call from another insurance company to explain whose fault it was. Generally, one does not accept their fault when they do not have a comprehensive insurance cover. The possibility of a dispute is greater if some passengers are involved.
Wait for Approval of Claim
Once all other matters are settled between you and your insurance cover provider, you are on the unpleasant course of wait. You can either be given details of the garage where your car will be fixed or in case of a write-off you will be compensated through a cheque. In the latter case, the process of approval of the claim might be slower.