Vehicle Insurance Claim Checklist

Company vehicle registration or fleet number

Driver name and license number

Date and time of the collision

Insurer name and commercial policy number

Claim reference number once issued

The vehicle was stopped and the engine switched off at the scene

Hazard lights, warning triangles, or cones were deployed to alert other traffic

The driver remained at the scene until details were exchanged with all parties

No admission of fault or liability was made to any other party

Vehicles were moved only after their positions were photographed or police authorized it

Full name and contact details of the other driver were recorded

The other driver's license number and issuing authority were recorded

Registered owner details were recorded where different from the driver

The other vehicle's registration, make, model, and color were recorded

The other party's insurer name and policy number were recorded

Proof of insurance was photographed rather than transcribed by hand

Details of any third-party property damaged were recorded with owner contact

Police were called where injuries, obstruction, or local reporting thresholds required it

The attending officer's name and identification number were recorded

A police incident or report reference number was obtained

Where police did not attend, the collision was self-reported as locally required

Names and contact details of independent witnesses were obtained before they left

Witnesses were asked what they saw and their accounts were recorded

Dash camera, telematics, or nearby CCTV footage was identified and secured

All occupants of every vehicle involved were checked for injuries

Emergency services were called where anyone reported or displayed injury

Names and injuries of all injured parties were recorded individually

Medical assessment was sought and documented for anyone reporting pain or discomfort

Wide shots show the position of all vehicles before they were moved

Close-up photographs cover every damaged area on the company vehicle

Damage to all other vehicles involved was photographed

License plates of all vehicles involved were photographed

Road markings, traffic signals, and signage at the scene were photographed

Road surface, weather, and visibility conditions were photographed

Skid marks, debris, and damaged street furniture were photographed

The incident was reported to the fleet or line manager without delay

The insurer was notified within the reporting window stated in the policy

The insurer was given the police reference and all scene documentation

A claim reference number was obtained and recorded

Contact from other parties or their representatives was referred to the insurer

A written driver statement was recorded while the account was still fresh

Repair estimates were obtained and no repairs began before insurer inspection

Towing, storage, and replacement vehicle costs were documented with receipts

Telematics and dash camera footage was preserved against automatic overwriting

The vehicle was confirmed roadworthy or removed from service before further use