Would You Know What to Do If Something Went Wrong Today?

You hear the crunch. Your heart drops. Maybe it was a tight parking space. Maybe someone pulled out without looking. Or maybe you walked outside and found your bumper hanging off; with no note in sight.

Insurance claims aren’t always dramatic. Sometimes they’re frustratingly small. Sometimes they’re complex. And sometimes, they leave you staring at your phone wondering what to do next.

Here’s a guide that walks through common claim scenarios; and what steps might help you stay calm, get things sorted, and avoid unexpected hiccups later on.

Scenario 1: You’re Involved in a Collision With Another Vehicle

This one’s the most common; and often the most stressful. Whether it’s a motorway shunt or a quiet road bump, try to stay steady.

  • Make sure everyone is safe first; move to the side if possible
  • Exchange details; name, address, insurer, registration number
  • Take photos of both vehicles, the road layout, and any damage
  • Get contact info from any witnesses if they’re nearby
  • Don’t admit fault; even if it feels obvious
  • Notify your insurer as soon as possible

Even if the damage looks minimal, it’s worth reporting. Minor dents often lead to expensive claims; especially if one party decides to pursue injury or repair costs later.

Scenario 2: You Hit a Parked Car or Object

Maybe it was a post you didn’t see. Maybe your wheel clipped the kerb a little too hard. If it’s your own car that’s taken the hit, and no one else is involved, it’s a different kind of claim.

  • Assess the damage; is it worth claiming for?
  • Take photos for your records; before anything is moved
  • Check your excess; it might be close to the cost of repairs
  • If you hit another vehicle or property, leave your contact details
  • Still inform your insurer, even if you don’t plan to claim

Non-fault or not, honesty matters. If you don’t report it and the other party contacts your insurer first, things might get sticky fast.

Scenario 3: Your Car Is Damaged While Parked

You return to your car and something’s wrong. A cracked wing mirror. A nasty scratch. A bumper pushed in. No note. No idea who did it.

  • Take detailed photos of the scene
  • Check for CCTV; nearby shops, doorbells, car parks
  • Report it to the police if it looks like a hit-and-run
  • Get a crime reference number (if needed for your claim)
  • Contact your insurer and explain the situation clearly

This might be considered a no-fault claim, but it could still affect your premium. Some insurers log it as “vandalism” or “third-party unknown,” which might carry a different weighting.

Scenario 4: Your Car Is Stolen or Broken Into

This one hits harder than most. Whether it’s the whole vehicle or just what's inside, it’s a deeply frustrating; and often personal; kind of loss.

  • Report it to the police straight away
  • Get a crime reference number; your insurer might ask for this
  • Make a list of what was taken (if it's a break-in)
  • Don’t touch the car if it’s been recovered; wait for police
  • Inform your insurer and follow their process step-by-step

You might feel overwhelmed; and that’s completely natural. Take a breath, follow the steps, and keep notes of every call or email.

Scenario 5: You’re Injured in an Accident

Your health comes first; always. If you or anyone else is injured in an accident, emergency services should be contacted immediately.

  • Seek medical attention, even for minor aches or stiffness
  • Document your injuries (with help from a professional)
  • Keep all receipts related to treatment, taxis, time off work
  • Let your insurer know, as personal injury might be included
  • Be cautious of third-party solicitors who might contact you

Even mild symptoms sometimes develop later. Keep an open line with your GP and let your insurer know if anything changes.

Scenario 6: You Need to Make a Windscreen Claim

It’s one of the most straightforward claims; but still worth handling properly.

  • Check if you have windscreen cover included
  • Call your insurer’s recommended repairer; they might book you directly
  • Don’t wait; small chips turn into big cracks quickly
  • Keep receipts if you use an approved provider
  • Remember it might not affect your no-claims bonus (check your policy)

It might feel like a minor issue, but it’s often one of the fastest claims to resolve; especially if handled early.

Final Thought: The Calm After the Crunch

No one plans for accidents. But when they happen, knowing what to do might make the experience a little less overwhelming. Whether it’s a minor scrape or a serious situation, having a plan gives you control at a time when most things feel out of your hands.

So the next time you hear that horrible crunch; or walk back to a broken window; remember this: you’re not powerless. You’ve got steps to follow, rights to protect, and people to speak to. And that might be enough to turn a bad day into one that’s at least manageable.