Did you buy your car insurance from a comparison website?

Have you run into difficulties when you made a claim?

If you have been involved in a car accident and need to claim on your car insurance, you will be wasting your time if you try to contact the insurance company through the car insurance comparison outlet you bought the policy from.

When you compare car insurance, you are doing exactly that!

From the moment you purchase a car insurance policy you become the 'customer' of the policy issuing company.

Unless the comparison site is actually run by the car insurance company who issued the policy, or is a large online insurance broker who compares quotes and issues policies - you will need to speak to your insurers direct!

If you are involved in a car accident it is important that you do not admit liability.

It is up to your your own car insurer to decide whether you were at fault or not!

Someone is always determined to be to blame for a car accident, whether partially or completely. Accidents are considered always to have a primary fault.

Car insurance companies have to determine the degree of blame to be apportioned to each driver to ensure that the blame driver's future premium are adjusted appropriately. The methods vary but all companies have procedures that contain examples of common types of accidents and describe how blame is assigned for renewal purposes.

These regulations help car insurance companies provide consumers with prompt claims handling and fair, consistent treatment. After you report an accident to your car insurer, the company will investigate the circumstances of the accident and then make a blame decision based on these rules.

The methods used for determining negligence applyr more than fifty different car accident scenarios, using diagrams to illustrate specific examples of accidents. These procedures can be applied to almost every possible road accident scene and apply regardless of the type of road where the car accident occured or weather conditions, visibility, point of impact on the car and environment. the rules are usually based upon the rules of the Highway Code.

Under investigation, a car accident may show that more than one driver was negligent or that blame cannot be apportioned one hiundred percent to one party. Each driver's car insurance company may then become involved in the settlement of the claim based on the degree of responsibility for the accident attributed to each person. If there is still a dispute about respowho was at fault, court action may be required to resolve it.

When reviewing an accident the evidence may show more than one driver was partially at blame for car insurance purposes. Blame is allocated to each driver based on which accident scenario most closely resembles the accident. If the accident is not described by any of the scenarios, then blame is allocated according to the rules of negligence law. This is known as knock for knock.

Most car insurance companies will change your driving record to reflect the accident and then increase your premium by a small amount at renewal. You will then need three years of accident-free and claim free driving before you go back to a a maximum no claims bonus situation.