claim following an accident, call the Claims Team 24/7.
Claiming for a Car Accident Smart Insurance or injury? It doesn’t get much easier than this.
claim following an accident, call the Claims Team 24/7.
Claiming for a Car Accident Smart Insurance or injury? It doesn’t get much easier than this.
Press Option 1 for New Claims
Press Option 2 for Existing Claims
As a Smart Insurance Customer who has had a non-fault accident, claim now with the following benefits
If you’re unfortunate to have been involved in a car accident, you need to know how to correctly, fairly and legally resolve the situation with all those involved. Having access to Smart Claims Number is important but in the event of a non-fault accident you are free to choose your own repair network and Hire car provider. Understanding how to properly deal with insurance and the emergency services, if they’ve been contacted, can also be crucial to know if you’re ever involved in a car crash.
This guide gives information on what to do after a car accident, how to pursue accident claims, arrange repairs for an accidentally damaged vehicle, and deal with the police after a car crash.
Smart Car Insurance Accident Claim Contact Number
If you have been involved in a car accident, our professional Claims team is here to help you. Contact our claims team immediately at on 03330064465 to discuss how we can help you with the following:
The law requires you to stop your car and not flee the scene of the accident. Sometimes it can be dangerous to stop immediately because of the road, weather or traffic conditions. If it is unsafe then try to find the nearest safe stopping place. If you are at a motorway then stop at the hard shoulder or if you are on a city or town road then a side street away from lots of traffic can be ideal.
If it was a bad car accident, someone might be injured. Check yourself for injuries and then also check on your passengers, if you find anyone with mild to severe injuries it’s always the best practice to call for an ambulance.
Fire Brigade services should be called if your or the Third party’s car is on fire. Sometimes they have to be called upon if someone is trapped inside a vehicle or the vehicles are blocking the road. Ambulance services should be called in case there is injury to the occupants of any cars or pedestrians involved in the accident. The Number for Emergency services are 999 and 112, you can call any of these numbers.
By law (section 170 of Road Traffic Act 1988) you need to exchange your details with the Third Party. The details you need to exchange are, your Car Reg, Your Name and Address, your phone number and if known to you then also your insurance details. So that all information is correctly captured you can ask to see the Driving license of the Third Party and take a photo of it to confirm Name and address. Take photos of vehicle damage and try to make videos too as this can help Smart Claims and Third-party insurance to identify liability.
Smart and other insurance companies use information you give them and they gather about the accident, to determine who is at fault for the incident. Try to collect all the information you could about the accident. This includes but is not limited to taking photographs, taking vehicle registration numbers, names and contact details of all individuals involved in the accident, taking notes about the location of incident, weather conditions, road conditions, date and time of incident. Try speaking to any witnesses and take their names and numbers. They can later corroborate your story and it is considered as strong evidence to prove fault.
You should contact Smart Claims Number and give all the details of the incident. If you are not at fault for the accident you can choose your own repair network and can get your own hire or replacement car. We will arrange all of that for you completely free of cost. We will make sure that your no claim bonus stays unimpacted, you don’t have to pay any excess and your car is repaired from an authorized garage.
If you have fully comprehensive insurance with Smart then your insurance company is liable for paying recovery fees. You can either arrange it yourself by contacting the RAC OR AA or GREENFLAG, or by contacting the POLICE, or a Recovery firm if you know one.
Irrespective as to what action you take the insurance company will reimburse or pay these fees.
You are responsible for the recovery fee for storage from this point up to telling the Smart. So, if you leave the car in storage for 3 weeks and then contact your insurer, you are responsible for these charges.
What we would advise, if you want to use your own repairer, get your car recovered directly to their premises if you can, rather than going to the recovery agent’s yard.
If you have the space and it is off the road, your own home address may be the best place for the vehicle, you are now in control of the claim process.
If you are only insured THIRD PARTY FIRE AND THEFT, you are generally responsible for the recovery charges of your vehicle unless it is someone else’s fault or it says differently in your policy.
BE AWARE! The POLICE have something called “statutory instruments” which they use to arrange the recovery of vehicles through police contractors. These are done at set rates agreed under the above “statutory instruments” and are not cheap.
If the police move your vehicle, you do need to advise Smart, within 48hrs, but it is up to you where it gets moved to!
Our advice is that if you can arrange your own recovery do so, rather than allow the police to do it.
All car accidents should be reported to your insurance company, regardless of how minor or small they might be.
The information we discussed in step 4 above i.e. Names, addresses, vehicle registrations, any photos, eye witness name and contact numbers, CCTV and dashcam footage. All this will help Smart to establish liability. In case if the Third-party Insurance company disputes liability or claims it to be 50-50 then Smart will have strong evidence to win the liability in your favour.
While there are no legal requirements to report an accident to your insurer, it may affect your ability to make subsequent claims. You should contact Smart to inform them about your car accident immediately or as soon as it is safe and practical to do so.
If your car is damaged after an accident and you need to make a claim on your insurance to repair it, you can ultimately choose when you wish to make a claim. For a non-fault accident you can use a third-party insurer to cover the costs of your car repairs so there’s no expense to repairing your car immediately.
Having to repair your vehicle after a road accident can be timely, costly, and frustrating but the good thing is our claims team is here. Give us a call if you have had a non fault accident and we will get you a replacement car out within 24 hours and will also get your car repaired through the garage of your choice. You have a few options to repair your car after an accident as discussed below:
Insurance companies will try to get you to use their ‘approved repairers’ network. Approved repairers are in partnership with the insurance companies to provide their clients cheap and fast repairs. This is good for the insurance companies as they can get the repairs done for a fraction of the cost but it may not always be in the best interest of the policy holder. Using your own insurance company can mean that you would have to pay excess to use their services. This also means that to get an update on your repair status you need to call the insurance company again and again. The wait times on such calls can be hours. We offer our clients bespoke repair solutions and we answer your call in less than 1 minute.
We strongly recommend that you go with this option and send your vehicle to a repair network of your choice. Legislation introduced in 2010 deemed it unfair that insurance companies could dictate to customers who should repair their car. Since then, insurers are not able to force you to use their approved repairers and must still pay-out if you choose your own repairer.
Choosing your own repairer gives you a much wider choice of garages and you have much more control over who repairs your vehicle. Approved repairers typically work in the best interests of the insurance company and may be pressured to repair your vehicle quickly and cheaply, using non-original parts that could invalidate your warranty.
What should you be looking for when choosing a garage for accident repairs?
Firstly, fair and transparent pricing is important when handling insurance claims. You need to be able to trust that the quoted price provided by the repairer is honored and that there are not additional fees charged or any extra work undertaken that wasn’t agreed upon.
If your vehicle is under any form of manufacturer warranty, you are likely to require a manufacturer-approved repair service in order to maintain the validity of the warranty. A ‘manufacturer-approved repairer’ will be a garage that has been approved by a car manufacturer to repair their vehicles to meet factory-standards. This is typically achieved once the manufacturer has reviewed the equipment at the garage, provided training on how to fix their cars, and supplied parts.
If you’re not at fault for the accident, you will be able to make a non-fault claim as long as your insurer is able to recover the cost from the third-party. In these cases, you will not have to claim on your insurance and your no-claims bonus will be protected.
As a Smart customer, If you find yourself injured in a road traffic accident then do not try to move too much from your seat at first. Assess your condition to see if you are able to move your neck, head, back, lift your hands and legs etc. Also look for any bleeding in the body. In case of injury, call the Ambulance and other emergency services as soon as possible. There are incidents where the emergency services have to cut open the vehicle doors to get the injured persons out so if you are in a condition to move then try to move out of the vehicle yourself. Stay in a safe and secure place away from the traffic. You should always try to help yourself before helping others in such situations. IF you are a non fault driver or passenger who has been injured in a Road traffic accident then you are eligible to get compensation for the injury or discomfort.
We have devised a comprehensive guide about what to do if you are injured and how to claim injury compensation.
After an accident you can experience Whiplash which is the most common injury type. Whiplash is actually a term used for soft tissue damage that occurs during a vehicle accident or a vehicle accident when hit from behind generally by another car. The quick acceleration, i.e. going for a low speed or stop position causes the head to jerk forward, and then brutally backward, causing whiplash. We make this guide for making Smart Whiplash claim in the UK and it will provide you with all the advice and information you need to approach your own claim from a position of understanding.
Whiplash is an injury to your tendons, muscles, or other soft tissues of your neck. It is caused by a vigorous and sudden movement of the head in one direction, then back again quickly, most generally during a car accident.
Pain from a whiplash injury starts 6 to 12 hours after the injury. You may feel pain on the day of the accident or injury and find that your pain, swelling and bruising increase over the following days.
General symptoms of whiplash include:
The moment you think you might have a whiplash injury from a vehicle accident, you should get medical treatment. Bear in mind that whiplash injuries, like cervical strains, don’t forever present themselves immediately after an accident. There are many reasons why the sooner you get treatment, the better.
First, it may be simple to treat the whiplash. If there is soft tissue damage, not taking the right precautions could worsen the pain. Second, it will be easier to file a claim with an insurance firm later on. The longer you wait to seek medical help for a vehicle accident injury, the more likely an insurance firm will assume that the injuries you are claiming are not as extreme as you say they are.
When you are trying to get a vehicle insurance payout for whiplash, there are lots of things you can perform that could help increase the amount of compensation you get. The Financial Conduct Authority (FCA) has said the amount a claimant gets in can be increased:
If you need some best suggestions about how to increase the level of compensation you are offered, reach out to our claims team today. They can help you to make the best decisions.
The term split liability refers to an agreement in which 2 or more parties share the blame for an accident. These kinds of claims are also referred to as 50/50 claims, reflecting the ratio of the equal accountability that is typically divided between 2 claimants.
Other general split liability proportions are:
If you accept split liability, you and the other driver would proceed with the process of claims under the agreement that you were both partially to blame.
If you have suffered trauma or injured as a result of your car accident you may be feeling vulnerable. If you are contacted by Smart and offered a settlement for your whiplash claim, you should bear in mind that:
If you need to speak to somebody to get some legal suggestions about whether you accept a primary settlement offer or not, our claims team can help.
Pre-medical offers are proposals to pay compensation before the wounded person has been seen by a medical professional. The objective of a pre-medical offer is to encourage early settlement of the claim. The insurer gets the claim off their books for a fixed amount; the wounded person gets compensation immediately without a medical examination.
Sounds too good but pre-medical offer could be an expensive mistake.
You never know how serious a problem is or what the prognosis will be until you have a medical report. You just get one shot at settling a compensation claim and if you accept a pre-medical offer and then find out that your injury does not resolve as immediately as you thought, then you cannot claim compensation a second time.
A pre-med offer does not take into consideration the complete value of the claim, such as:
And another downside of accepting this offer is that:
If you choose to reject a pre-medical offer but would still like to seek compensation for your injuries, you should contact a personal injury law firm for legal advice.
Under the rules introduced in 2021, the whiplash compensation amount you can claim ranges from £240 to £4,215.
Payoutes for whiplash that lasts up to three months are capped at £240. This amount then increases in stages to £4,215 for a damage or injury that lasts up to two years.
The courts have the power to raise a pay-out by up to twenty percent, in serious cases. The following guidelines for whiplash pay-outs are published by the Judicial College, part of the Ministry of Justice.
|Length of Injury||Amount for Whiplash Injuries||Whiplash Injury with mild Psychological Injury|
|Nor more than 3 months||£240||£260|
|More than 3 months but not more than 6 months||£495||£520|
|More than 6 months but not more than 9 months||£840||£895|
|More than 9 months but not more than 12 months||£1320||£1390|
|More than 12 months but not more than 15 months||£2040||£2125|
|More than 15 months but not more than 18 months||£3005||£3100|
Will I get other types of compensation as part of a whiplash claim?
This list could be wide and is dependent on the details of your specific case, but key examples are:
Missed workdays: if you missed days at work, you may be compensated for the money you would have earned. If some type of disability happens from the accident, you may have a disability claim that can be filed for loss of earning capability, possibly for the rest of your life.
Out of pocket expenses
Quick expenses that you may have to pay, when your health is serious, time is a factor, and you can be compensated for most of the cash you need to spend initially.
We all know that any hospital visit, medical treatment, and physical therapy can result in big costs to you and your family. Whether you have health insurance or not, many of these expenses have very high costs, or not be covered at all. You and your family’s future may be dependent on your settlement.
If you need lifelong treatment, physical therapy, etc, the costs will go high and you must be provided with the funds required to continue these treatments, as well as continue to provide income for you and your family to sufficiently live on.
The amount of compensation could include the following:
No win, no fee claims against Smart Insurance
A No Win, No fee claim provides you the financial confidence and security to pursue justice. Under this kind of agreement, you would not be asked by the solicitor to pay any type of new claims fee. You also would not be expected to pay continued fees, even if it takes many months to reach a right settlement. If the claim fails, and you don’t get any compensation at all, then you don’t pay anything. If you win you pay a percentage of the compensation as solicitors fee.
A minor accident means that the accident should have happened at a low speed and has caused very less damage or injury to anyone that has been involved. Having a low-speed crash does not mean that you do not have to report it to anyone or not get your car assessed for damages by specialists. Even in the event of a low impact accident please do follow the above outlined 6 steps to be on the safe side. Sometimes these minor accidents do not cause any apparent injury or damage at the time of the incident but can cause internal damage to the vehicle which becomes visible after a day or two of driving.
If you have had an accident with another vehicle and they failed to stop, you should report it to the police as it’s a crime to flee the scene of the accident without exchanging details. Before you call the police please make sure that you are at a safe place, are not blocking any traffic, check for injured persons if any, you should collect all information about the incident along with witness details. Call the police with all of the information you have collected and they should then give you a crime reference number.
You can check if a car is insured by calling your insurance provider or using the Motor Insurance Database’s (MID) ou askMID online service by paying £10. If the other party comes to be uninsured, call the police on 101 and get a Crime reference number. Now you have two options depending on your own insurance cover.
You can register for an account with the bureau to complete an application online.
The above 6 steps guide gives you extensive information about what needs to be done in case of a non fault accident. All the 6 steps should be followed and if the Third Party is aggressive or abusive to you or they engage in a fight or road rage you should call the police immediately. I should insist here once again that all information about the incident should be collected and recorded appropriately.
In the event of a fault accident you should keep calm and go on to collect all the information about the incident and make sure everybody is safe. Call the emergency services if need be. As a Smart customer you should not admit any kind of fault at the scene of an accident which also means to not apologize for the situation. Apology at the scene of an accident can be used against you, as if witnesses have seen you apologizing they will tell the insurance company that you have apologized and thus admitted the fault for the accident. If you are blamed for the accident by the third party you need to simply say “No I did not cause the accident”.
If you are witness to a car accident in the UK you must always stop and remain at the scene of the accident. Whether you are a witness from another vehicle or as a pedestrian or cyclist bystanders, you must cooperate as an eye witness. First and foremost make sure that those involved are OK and are not injured. Call the emergency services if they are needed.
Insurance for a courtesy car is typically provided by the company providing the vehicle or your insurance company may provide cover for driving a replacement vehicle in your policy. If you crash a courtesy car, you’re likely to be covered in the same way as any other vehicle you drive, which means if the crash is your fault you’ll be required to pay the excess and if you’re not at fault you’ll be able to claim on a third-party insurance.
Car repair times vary depending on the state of the vehicle. The availability of parts, vehicle transportation and the specialism of the repair can all length repair times. Once your vehicle has been assessed, your repairer should be able to accurately predict how long it will take to be repaired.
Here at the Accident Claims Helpline, we provide a comprehensive accident claims management service. Claims Department Smart Insurance can be busy at times so we can process your non-fault accident claim in a prompt way. From the first Report Car Accident, through to claim settlement you can trust us to provide you RoadSide Recovery, Accident Damage Repair, Injury Compensation, and Free Courtesy Car resulting in measurable benefits and outstanding customer service.
Working with our extensive Network of Repair Centre and the different solicitors across the UK, our panel has expertise in all fields from personal injury claims to credit hire. Our specialist team brings years of expertise in driving our approach to finding your best results. At Accident Claims Helpline we ensure our team and partners are best in class, combining substantiated industry knowledge with the most effective experience.
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