Car accidents are stressful, whether it’s a minor fender bender or a major collision. Knowing how your car insurance works in these moments can make the process smoother, less confusing, and ensure you get the coverage you’re entitled to. Here’s a step-by-step look at what typically happens after an accident and how your policy comes into play.

1. Immediate Steps After an Accident

The first priority is safety. Move your vehicle to a safe spot if possible, check for injuries, and call emergency services when needed. Once everyone is safe:

• Exchange details with the other driver (name, phone, licence plate, and insurance provider).
• Document the scene with photos or videos.
• Report the incident to the police if required by law (especially if there are injuries or significant damage).

This documentation will be essential when you file your claim.

2. Filing a Claim With Your Insurer

Most insurers allow you to file a claim online, via an app, or over the phone. Be ready to provide:

• The accident details (date, time, location).
• A copy of the police report, if applicable.
• Photos or videos from the scene.
• Details of the other driver(s) involved.

The quicker you file, the sooner the process starts.

3. Assessment of Damage

Once your claim is submitted, your insurer assigns a claims assessor to evaluate the damage. They may:

• Inspect your car directly.
• Request repair estimates from approved panel beaters.
• Review liability (who was at fault).

This step helps the insurer decide how much they’ll cover for repairs or replacement.

4. Cover and Repairs

Depending on your type of cover:

• Comprehensive insurance generally covers your car repairs, the other driver’s vehicle, and third-party damages.
• Third-party only will cover the other driver’s damage, not your own.

Approved service providers will then repair your vehicle, with the insurer paying the bill directly or reimbursing you (less any excess due).

5. Excess Payments

Most claims require you to pay an excess—a set amount you contribute towards repair costs. The rest is covered by your insurer. For example, if your excess is R5,000 and the repair costs R40,000, you’ll pay R5,000 and the insurer will pay the remaining R35,000.

6. How Claims Affect Future Premiums

One of the biggest questions drivers have is: Will this accident affect my car insurance rates?

• If you were at fault, your premiums are likely to increase at renewal.
• If you weren’t at fault and can prove it (police report, witness statements, etc.), your insurer may not adjust your premiums.
• Multiple claims within a short period almost always lead to higher premiums.

7. The Pineapple Insurance Advantage

Forward-thinking providers like Pineapple Insurance are reshaping the claims process with digital-first platforms, transparent communication, and quick turnaround times. With a user-friendly app and cash-back rewards, they’re making claims less of a hassle and ensuring customers feel supported during a stressful time.

Final Thoughts

Car insurance isn’t just about paying premiums—it’s about protection when you need it most. By understanding how the process works after an accident, you’ll be better prepared to handle the steps with confidence. Always review your policy so you know exactly what’s covered, how much excess you’ll need to pay, and what impact a claim may have on future premiums.