No one wants to make a PHV driver claim but accidents happen. It is never a pleasant experience because it shakes your confidence, regardless of injury. You can feel unsure about going back on the road and there is always the worry of repair costs and out-of-pocket expenses. It’s also a time of panic and stress. So, it’s time to make it clear what typically happens during a PHV driver claim.
A PHV driver claim can be pretty straightforward when you hire a reliable service. Typically, you should be offered a 24/7 recovery policy which means your vehicle is recovered regardless of where you are in the UK. It can be reassuring and will allow the PHV driver claim process to begin.
Getting access to a replacement vehicle
Whether you’ve been involved in a major accident or a fairly minor fender bender, it could render the vehicle undrivable. This not only means your vehicle needs to be repaired but that you’re also stuck without a vehicle in the meantime. It’s not ideal and can be incredibly frustrating. Fortunately, when you go through a PHV driver claim, you could get access to a replacement vehicle until yours is back on the road.
Always report the accident to the authorities
Don’t think you need to report a fender bender if you exchange insurance information with the other driver? Well, it can muddy the waters if you don’t. For instance, some insurers will not pay out on an accident if there is no police report or incident number on file. It’s the same with bumps and runs (where your vehicle is hit by a driver who takes off). So, it’s best to keep yourself right if nothing else.
Make a PHV driver claim immediately after the accident
The PHV driver claim process is not as difficult as you might think, but it should be started as soon as possible. For example, you’re involved in an incident on Tuesday evening. You have been given the all-clear from the hospital the same night. So, first thing on Wednesday morning you should start the claim process. It is necessary to make sure you’re back on the road as soon as possible. Of course, it’s different if you are in hospital for several days or weeks.
Don’t let an accident dent your confidence on the road
Accidents are not pleasant, but they unfortunately happen. It’s partly down to the fact there are more drivers on the road than ever before. It can also be down to poor driving skills, slow reaction times and a general lack of awareness. Of course, being a defensive driver will help you avoid accidents in the future.Don’t let an accident dent your confidence. If you’re a good driver, learn from it because it’ll make you more aware of the dangers next time. Just make sure to get the PHV driver claim process started quickly after an accident.