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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 Swift Cover 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.
Swift Cover ClaimsIf you have been involved in a car accident, our professional Claims team is here to help you. Contact our claims team immediately on 03330064473 to discuss how we can help you with the following:
In the UK, Swift Cover Insurance is a prominent player in the insurance market, providing various types of insurance products to meet the diverse needs of customers. Founded in 2005, Swift Cover has experienced significant growth and has become a well-known name in the insurance industry, particularly for its online-focused approach and competitive pricing strategies.
Swift Cover Insurance is a subsidiary of the global insurance giant AXA Group but operates as a standalone brand in the UK. The company prides itself on offering customers a hassle-free and straightforward insurance experience, emphasizing speed, efficiency, and affordability in its service delivery. Swift Cover has carved a niche for itself by leveraging technology to streamline the insurance process, allowing customers to obtain quotes, purchase policies, and make claims entirely online.
In conclusion, Swift Cover Insurance has established itself as a trusted provider of insurance solutions in the UK, with a focus on technology-driven efficiency, affordability, and customer satisfaction. Whether it's car insurance, home insurance, travel insurance, or motorbike insurance, Swift Cover offers a wide range of products to meet the diverse needs of its customers. With a strong reputation for innovation and customer-centric service, Swift Cover continues to be a preferred choice for individuals seeking reliable insurance coverage in the UK
If you have fully comprehensive insurance with Swift Cover Claims 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 Swift Cover Claims. 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 Swift Cover Claims, 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.
What accident information is required by Swift Cover Claims Direct?
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 Swift Cover Claims to establish liability. In case if the Third-party Insurance company disputes liability or claims it to be 50-50 then Swift Cover Claims will have strong evidence to win the liability in your favour.
When should you contact Swift Cover Claims after an accident?
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 Swift Cover Claims to inform them about your car accident immediately or as soon as it is safe and practical to do so.
How long after a car crash can I make a claim for repair?
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:
Going through your own insurance for vehicle repairs
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.
Swift Cover Claims Guide – How To Claim Compensation For Injury
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 Swift Cover Claims 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.
What Are The Symptoms Of Whiplash Injuries?
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:Could I claim for a whiplash injury from Swift Cover Claims insurance?
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.
What an Swift Cover Claims insurance company may not want you to know
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.
Should I take a pre-medical offer from Swift Cover Claims Direct?
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 premedical 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 |
No win, no fee claims against Swift Cover Claims 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.
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.
MIB – If you were hit by a driver without insurance, or someone that left the scene and could not be traced, then the MIB may be able to pay out on your claim. We could help you with this. This page links you to information on whiplash reforms.
Stiff neck or neck pain advice – NHS advice on neck pain or stiff neck symptoms. This link shows self-help techniques and more.
Consultation on whiplash claims – Government consultation on reforms within the whiplash claims system.
Department for Transport: Report on Road Casualties in 2017
House of Commons Transport Committee Report on the Cost of Motor Insurance: Whiplash
Here at the Motor Claims Direct, we provide a comprehensive accident claims management service. Claims Department Swift Cover Claims 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 Motor Claims Direct we ensure our team and partners are best in class, combining substantiated industry knowledge with the most effective experience.
ARE AN INDEPENDANT CLAIMS MANAGEMENT COMPANY AND ARE IN NO WAY AFFILIATED WITH OR WORK ON BEHALF OF ANY CAR INSURANCE PROVIDERS OR BROKERS, Logos are the intellectual property of the respective companies and we have only used them for illustration purposes. We are not related to or represent any of the insurance companies listed on this website – FOR ANY MORE INFORMATION PLEASE CONTACT Us On 0333 006 4473