What should your business drivers do in the event of a crash to ensure you handle claims effectively and efficiently? A clear and well communicated incident process will fast track claims and ensure that your vehicles are quickly back on the road.
Mark McKenna, of Bluedrop Services Motor Fleet Insurance specialists advises that providing your insurer with key information quickly gives them the best chance to defend your position, whilst keeping third party costs to a minimum.
Preparation is key
It’s important to enforce a crash reporting and investigation process for all incidents and as such your company policy should guide all drivers through their responsibilities following a crash. Each incident should also later be reviewed internally to establish the cause and what can be done to prevent a similar occurrence in the future.
Make sure your drivers have access to appropriate documents in their glove compartments, such as the fleet insurance ID and phone number, vehicle registration details, and a copy of their own medical details should they require special attention in a serious incident.
Emergency kits should also be readily available containing items such as road flares or warning triangles, flashlight with working batteries, first-aid kits, basic tool kit, pen and paper and perhaps even an incident report form ready to complete if your insurance broker provides one.
At the scene is the best time to record details of the incident if you want to fast track claims and hopefully also take photos for evidence. It may be the only chance to get full information about the facts or details from parties involved, especially if the police have not been called.
Managing the crash scene
There should be a set procedure that your drivers are aware to follow in the event of a crash. Here are some guidelines of what these should include:
- STOP. However small the incident, do not leave the scene without speaking to the other driver. It is an offence not to stop.
- Safety First. Ensure that the scene and everyone involved is safe. If there are no serious injuries then it is important to move the vehicles and occupants safely to the side of the road, away from traffic until assistance arrives. Hazard lights should be turned on and cones or warning triangles put up to alert on-coming traffic, if safe to do so.
- Call for assistance. If anyone involved in the crash is injured then you should call for medical help or alternatively you may need assistance on moving the vehicle. If someone is seriously injured then you should always wait for trained medical help before attempting to move them.
- Contact the police. If it is not a minor crash then you should call the police who will be able to address the surrounding traffic and take notes for future records.
- Contact your employer. You should contact your employer, or if applicable, insurance company as soon as possible to notify them of the incident.
Drivers should be aware that it’s important not to admit fault straight away, but remain polite to anyone involved, and wait for this to be determined later.
Documenting the incident
These days many drivers will have cameras on their phones which they can use to take pictures as evidence at the scene. Photos will help to explain the context of the crash so your drivers should be aware of the importance of doing this if they have the means available.
In the event of a non-serious injury either by using a notepad or incident report form provided, the driver should take details such as the location, date, and time of the incident. Details of those involved, how many passengers are in each vehicle, contact information, descriptions of vehicles and number plates, pedestrians or witness details, the cause of crash, and a detailed description of the damage caused to vehicles and individuals. It is also worth noting any relevant weather and street conditions, if the police were notified, and providing a rough sketch of the scene.
Processing and fast tracking the claim
Depending on the severity of the injuries cause, submitting an incident report form should be the driver’s top priority as it allows for adjusters to start investigating the facts immediately, particularly whilst facts are still fresh in people’s minds. This also means that the damaged vehicle can be repaired and back out on the road as soon as possible with minimal downtime and costs accrued to the business.