What to Do Immediately After Being Rear-Ended
Being hit from behind at a traffic intersection can be jarring and disorienting. The moments following a rear-end collision are crucial both for your safety and for establishing a solid foundation for your insurance claim.
Safety First
If possible, move your vehicle to a safe location out of traffic flow. Turn on your hazard lights and check if anyone requires immediate medical attention. Even if injuries seem minor, it’s advisable to seek medical evaluation, as some injuries may not be immediately apparent.
Document the Scene
Before evidence disappears, take comprehensive photos of:
* Damage to all vehicles involved
* The overall accident scene showing vehicle positions
* Traffic signals and road conditions
* Any visible injuries
Exchange Information
Collect complete details from the other driver:
* Full name and contact information
* Driver’s licence number
* Vehicle registration
* Insurance company and policy number
Also gather contact information from any witnesses, as their statements may prove valuable when processing your claim with Gerrards Insurance Brokers.
Reporting the Accident
Police Report
In New Zealand, you should notify the police as soon as possible if:
* Anyone is injured
* The damage appears significant
* You believe the accident involved illegal behaviour (such as intoxicated driving)
A police report provides an official record of the incident and can strengthen your insurance claim. Remember to get a copy of the report or at least note the report number.
Contacting Your Insurance Broker
Report the accident to Gerrards Insurance Brokers as soon as possible by calling 03 288 9255. Early notification allows our team to guide you through the next steps and commence the claims process promptly. As your trusted Christchurch insurance broker, we’ll help you understand how your specific policy applies to your situation.
When you call, be prepared to provide:
* Your policy number
* Details of the accident
* Information about the other driver
* Any police report number
The Claims Process for Rear-End Collisions
Understanding Liability in Rear-End Collisions
In most cases, the driver who hits another vehicle from behind is presumed to be at fault. This is because New Zealand road rules require drivers to maintain a safe following distance. However, there can be exceptions, which is why thorough documentation is essential.
Working with Your Gerrards Insurance Broker
At Gerrards Insurance Brokers, we act as your advocate throughout the claims process. When you lodge a claim after being rear-ended, we:
1. Submit the formal claim on your behalf
2. Liaise with assessors and the other party’s insurance company
3. Keep you informed of progress
4. Advise on repair options and procedures
5. Help negotiate the best outcome
Our expertise in Christchurch and understanding of New Zealand insurance regulations ensures your claim receives proper attention and fair treatment.
Vehicle Assessment and Repairs
Your policy requires that you allow the insurance company to examine your vehicle before permanent repairs begin. Our team at Gerrards Insurance Brokers will arrange for an assessor to inspect the damage and approve repairs.
Some important points to remember:
* Don’t commence repairs before assessment
* Keep all receipts for emergency repairs or towing
* Your policy may provide for a replacement vehicle while yours is being repaired
Common Challenges with Rear-End Collision Claims
Disputed Liability
While rear-end collisions typically place fault with the trailing driver, there can be complications. The other driver might claim you stopped suddenly without cause or that your brake lights weren’t functioning. Gerrards Insurance Brokers can help navigate these disputes using our experience with similar claims in Christchurch.
Injury Claims
If you’ve sustained injuries in the collision, your claim may involve both your motor insurance and ACC. Our brokers at Gerrards Insurance Brokers can explain how these systems work together and ensure you receive appropriate compensation and care.
Why Choose Gerrards Insurance Brokers for Your Accident Claim
Filing an insurance claim after being rear-ended can be complex and time-consuming. As your Christchurch insurance broker, Gerrards Insurance Brokers offers:
* Local expertise with New Zealand insurance laws and practices
* Personal guidance through every step of the claims process
* Direct communication with insurance providers on your behalf
* Assistance with paperwork and documentation requirements
* Advice on protecting your interests and receiving fair compensation
We understand the unique insurance landscape in New Zealand and have helped countless Christchurch drivers successfully navigate claims after traffic accidents.
Get Expert Help With Your Rear-End Collision Claim
Being rear-ended at a traffic intersection is stressful enough without having to navigate complex insurance procedures alone. If you’ve recently been involved in a collision or want to ensure you’re properly covered before an accident happens, contact Gerrards Insurance Brokers today.
Call us at 03 288 9255, email contact@gerrards.co.nz, or visit our office at 238 Barrington Street, Christchurch. Our experienced team is ready to provide the guidance and support you need to make your claim process as smooth as possible.