{"id":10673,"date":"2023-08-22T07:35:00","date_gmt":"2023-08-22T05:35:00","guid":{"rendered":"https:\/\/www.assap.ad\/how-to-process-a-vehicle-accident\/"},"modified":"2024-10-23T18:55:42","modified_gmt":"2024-10-23T16:55:42","slug":"how-to-process-a-vehicle-accident","status":"publish","type":"post","link":"https:\/\/www.assap.ad\/en\/insurances-andorra\/blog\/how-to-process-a-vehicle-accident\/","title":{"rendered":"Processing an accident involving your vehicle with the insurance company"},"content":{"rendered":"\n<p>Typical, we have just suffered an <strong>accident<\/strong> , and now what do we have to do? What steps would be logical, appropriate and correct? <\/p>\n\n<p>First of all, regardless of whether it is <strong>our fault or that of a third party<\/strong> , we must <strong>contact our insurance company<\/strong> and <strong>declare the claim<\/strong> .<br\/> <\/p>\n\n<h2 class=\"wp-block-heading\">Vehicle \/ motorcycle policy loss<\/h2>\n\n<p>In the case of a <strong><a href=\"https:\/\/www.assap.ad\/es\/seguros-andorra\/seguros-para-vehiculos\">car<\/a> accident or <a href=\"https:\/\/www.assap.ad\/es\/seguros-andorra\/seguros-para-vehiculos\">motorcycle<\/a> accident<\/strong> , it will be necessary to know <strong>how to fill out the friendly accident declaration<\/strong> ( <em>known as a friendly report<\/em> ) and make sure that the other party <strong>is insured<\/strong> , all of this at the same place and time of the accident.<\/p>\n\n<p><strong>What to do if the other party is not insured, or does not have the papers at hand?<\/strong><\/p>\n\n<p>In the event <strong>that you are not insured<\/strong> :<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Call your insurance company<\/strong> and report the situation. They will handle everything through the police.<\/li>\n\n\n\n<li>Likewise, <strong>you complete the DAA<\/strong> and <strong>both parties involved sign it<\/strong> .<\/li>\n<\/ul>\n\n<p>In the event <strong>that you do not have the papers<\/strong> : ( <em>the procedure is the same as in the previous case<\/em> )<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Call your insurance company<\/strong> and report the situation. They will handle everything through the police.<\/li>\n\n\n\n<li>Likewise, <strong>you complete the DAA<\/strong> and <strong>both parties involved sign it<\/strong> .<\/li>\n<\/ul>\n\n<p><strong>What is a friendly accident declaration (DAA)?<\/strong><\/p>\n\n<p>It is a document whose main objective is to expedite the processing of material damages caused by the use of motor vehicles.<\/p>\n\n<p>Generally, when we take out <strong>car and\/or motorcycle insurance<\/strong> , we are given a copy of the <strong>DAA<\/strong> , along with <strong>the policy and the terms and conditions of the contracted product<\/strong> .<\/p>\n\n<p>We recommend that you follow these instructions:<\/p>\n\n<p>Write clearly: fill in the details in <strong>capital letters<\/strong> and <strong>avoid confusing the details of vehicle A<\/strong> ( <em>blue background column<\/em> ) <strong>with those of vehicle B<\/strong> ( <em>yellow background column<\/em> ).<\/p>\n\n<p>Fill in as much information as possible.<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Look carefully at the <strong>central column<\/strong> , which <strong>determines the circumstances of the accident<\/strong> .<\/li>\n\n\n\n<li>If there are <strong>witnesses to the accident<\/strong> , write down their <strong>phone number and address<\/strong> .<\/li>\n\n\n\n<li>If there are <strong>injuries or more vehicles involved<\/strong> , fill out the corresponding section.<\/li>\n\n\n\n<li><strong>Draw<\/strong> a sketch of the <strong>accident scene<\/strong> , as close to reality as possible.<\/li>\n\n\n\n<li><strong>Sign the document<\/strong> and make sure that the <strong>other driver<\/strong> does so as well, and that he keeps a copy of it, and the original will be the one you will have to <strong>take to your insurance company<\/strong> .<\/li>\n<\/ul>\n\n<p>Once we have the declaration, <strong>we will go to our insurance company<\/strong> and there they will inform us of the entire <strong>protocol<\/strong> .<br\/> <\/p>\n\n<h2 class=\"wp-block-heading\">Home \/ business \/ entrepreneurial policy loss<\/h2>\n\n<p>In the event of an <strong>accident at our home, business and\/or store<\/strong> , <strong>we will also have to contact our company<\/strong> , we will have to do this as quickly as possible, so that the <strong>claims team<\/strong> can determine whether it is necessary to <strong>send an expert or repairer<\/strong> , and from here, they will guide you on what steps to follow.<\/p>\n\n<p>It is also important, in these cases, <strong>to provide photos of the accident<\/strong> if possible.<\/p>\n\n<p><strong>What should be taken into account in particular? Common mistakes? <\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>In the case, for example, that <strong>the incident<\/strong> is due to <strong>water damage<\/strong> , which is usually the most common, we recommend <strong>calling the insurance company<\/strong> so that they can quickly assess what needs to be done, such as <strong>repairing it immediately<\/strong> and not waiting <strong>for an appraisal<\/strong> . Obviously, if the <strong>incident is serious<\/strong> , you will have to <strong>call a repairman or the 24-hour assistance service first<\/strong> , which are usually indicated in <strong>the policy<\/strong> , and then <strong>inform the company<\/strong> . <\/li>\n\n\n\n<li>The <strong>insurance company<\/strong> will always ask for <strong>invoices<\/strong> if the client has <strong>repaired the problem before &#8220;collateral damage&#8221; occurs to a third party<\/strong> . For example: If the insured has had a <strong>water leak in the toilet<\/strong> , and has already <strong>repaired<\/strong> it, but then the <strong>neighbour below has water stains<\/strong> , the <strong>insurer<\/strong> will claim the <strong>invoice for the repair of the toilet<\/strong> . <br\/> <\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><a href=\"https:\/\/www.assap.ad\/es\/seguros-andorra\/seguros-salud\">Health policy loss \/ subsidy \/ cass supplement<\/a><\/h2>\n\n<p>In the event of an <strong>accident<\/strong> in which we have to <strong>declare a work accident<\/strong> in which we have a <strong>personal injury accident report and\/or proof of sick leave<\/strong> , we must provide the <strong>original documents to process the claim<\/strong> , regardless of <strong>the coverage of the policy taken out<\/strong> , and the <strong>invoices for the medical expenses<\/strong> must be brought.<\/p>\n\n<p><strong><u>What<\/u> should be taken into account in particular? Common mistakes? <\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.assap.ad\/es\/seguros-andorra\/salud\/complemento-cass-basico\"><strong><u>Cass Supplement<\/u><\/strong><\/a> : Through the <strong>data authorization<\/strong> , a document that is signed when taking out <strong>the policy<\/strong> , the <strong>Cass<\/strong> automatically transfers all medical reports and health expenses to the <strong>company<\/strong> <strong>for payment<\/strong> . In other words, the <strong>insured<\/strong> does not need to provide any document to the <strong>insurer<\/strong> , unless the latter requires a specific document. <\/li>\n\n\n\n<li><strong><u>Subsidy<\/u><\/strong> : The <strong>originals<\/strong> ( <em>discharge and\/or extensions<\/em> ) issued to the <strong>employee<\/strong> must always be provided.<\/li>\n<\/ul>\n\n<p>Above all, we take this opportunity to recommend that when you take out this type of <strong>policy<\/strong> you take into account what <strong>coverage<\/strong> you are taking out, so that at the time of receiving the <strong>financial compensation<\/strong> it is in accordance with <strong>your expectations or needs<\/strong> . Keep in mind that in matters of <strong>health<\/strong> , it is best to choose a <strong>product with very good coverage<\/strong> or that fits your needs, we do not only have to stay with <strong>the economic part<\/strong> , since <strong>the cheapest insurances<\/strong> do not always give a good result. Phrases like &#8220;what is expensive is expensive&#8221;, &#8220;the important thing is to know what is important&#8221;, &#8220;bread for today is hunger for tomorrow&#8221;, when we associate them with <strong>life, health or death insurance<\/strong> , make complete sense at the moment of truth.  <\/p>\n\n<p>In any of the cases mentioned above, <strong>any information will be of great help<\/strong> , such as the basic ones:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Data of the insured person<\/strong><\/li>\n\n\n\n<li><strong>Data of the contracted policy<\/strong><\/li>\n\n\n\n<li><strong>Description<\/strong> ( <em>including photographs, if necessary<\/em> ) <strong>of the accident, such as date, place<\/strong> , etc. <\/li>\n\n\n\n<li>And in the case of there being an opposing party, <strong>details of the third party and insurance company.<\/strong><\/li>\n<\/ul>\n\n<p><strong>For our clients, once all the data is collected, you can start processing a claim from our web form on the home page:<\/strong> <a href=\"https:\/\/www.assap.ad\/es\">Web form<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Typical, we have just suffered an accident , and now what do we have to do? What steps would be logical, appropriate and correct? First of all, regardless of whether it is our fault or that of a third party , we must contact our insurance company and declare the claim . Vehicle \/ motorcycle [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":6314,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"footnotes":""},"categories":[21],"tags":[],"class_list":["post-10673","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-en"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/posts\/10673","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/comments?post=10673"}],"version-history":[{"count":1,"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/posts\/10673\/revisions"}],"predecessor-version":[{"id":10675,"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/posts\/10673\/revisions\/10675"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/media\/6314"}],"wp:attachment":[{"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/media?parent=10673"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/categories?post=10673"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/tags?post=10673"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}