Vehicle Damaged Your Property? Here's What to Do:
Having your home, wall, fence, driveway, gate, or garden damaged by a vehicle can be both distressing and costly. At CRASH Services, we have successfully handled numerous property damage claims for homeowners across Northern Ireland, helping them recover the full cost of repairs without the hassle of dealing with insurers alone.
If a vehicle damages your property, here’s what you should do.
Can You Claim If a Vehicle Damages Your Property?
Many homeowners are surprised to learn that they do not necessarily need to make a claim through their own home insurance policy.
Where another driver is responsible for the damage, a claim can often be pursued directly against the at-fault driver’s insurer. This may help you avoid paying a policy excess and can prevent unnecessary complications with your own insurance provider.
At CRASH Services, we can manage the entire process on your behalf and work to ensure you receive everything you are entitled to as quickly and efficiently as possible.
What to Do After a Vehicle Damages Your Property
1. Record the Vehicle Details
If possible, note down:
- Vehicle registration number
- Make and model
- Vehicle colour
- Any distinguishing features
This information can be vital when identifying the driver and their insurer.
2. Obtain Driver Information
If it is safe to do so, speak to the driver and gather:
- Full name
- Address
- Contact details
- Insurance information
The more information you can collect at the scene, the easier it is to progress a claim.
3. Take Photographs
Photograph:
- The damaged property
- The vehicle involved
- The surrounding area
- Any debris or evidence at the scene
Clear photographic evidence can be extremely important when establishing liability and repair costs.
4. Report the Incident to the Police
If the driver leaves the scene, fails to provide details, or the damage is significant, report the incident to the police as soon as possible.
This creates an official record that may assist with your claim.
5. Inform Your Home Insurance Provider
You may wish to notify your property insurer for information purposes only while investigations are ongoing. Let them know you are exploring recovery options against the responsible driver or their insurer.
6. Keep Records of Any Additional Costs
Retain evidence of any expenses or losses arising from the incident, including:
- Emergency repairs
- Temporary safety measures
- Cleanup costs
- Time spent dealing with the damage
These costs may be recoverable as part of your claim.
How CRASH Services Can Help
When you contact CRASH Services, we will act quickly to investigate the circumstances and establish who is legally responsible for the damage.
We can:
- Liaise directly with insurers
- Investigate liability
- Manage the claims process on your behalf
- Arrange professional damage assessments
- Coordinate repair works
- Pursue uninsured loss claims where possible
If the driver is legally liable, we can seek recovery from their insurer. In some circumstances, options may also be available where the driver is uninsured.
Property Repairs at No Cost to You
CRASH Services works with experienced Loss Assessors and trusted Building Contractors who can assess the damage, prepare repair estimates, and complete the necessary works.
Our aim is to restore your property as quickly as possible while removing the stress and administration involved in making a claim.
Contact CRASH Services Today
If your home, wall, fence, driveway, gate, or garden has been damaged by a vehicle, contact CRASH Services for expert advice and support.
We can help you pursue a property damage claim, deal with insurers on your behalf, and arrange repairs, allowing you to focus on getting your property back to normal.
How CRASH Services Can Help You After A Car Crash or Accident
At CRASH Services, we specialise in helping drivers in Belfast, Newry, Derry~Londonderry and across Northern Ireland get back on the road quickly.
After an accident, our expert team will take care of:
- vehicle recovery,
- collision investigation,
- organising repairs,
- providing a replacement vehicle,
- liaising with insurance companies and
- legal and medical
And we do it all, at no cost to the not-at-fault driver.
Our service is free as we recover the costs from the third-party insurers.
Why Choose CRASH Services?
- Established in 1996
- Trusted by Hundreds of Thousands Local Northern Ireland Motorists
- No Cost to You, Costs Recovered from Insurers
- Complete Accident Management from Recovery to Repairs
- 99% Customer Recommendation Rate
Our Mission is Simple:
“To act with care for those involved in road traffic accidents.”
Need Help After an Accident in Belfast, Newry, Derry~Londonderry or anywhere across Northern Ireland?
Call us today on 028 9066 0244 or Request a Callback Today
CRASH Services, take care of everything, at no cost to you!
Frequently Asked Questions
- What should I do if a vehicle crashes into my property?
First, ensure everyone’s safety and assess the damage. If possible, record the vehicle’s details, take photographs of the scene, and gather any available witness information.
- Do I have to make a claim through my home insurance?
Not necessarily. Depending on the circumstances, you may be able to pursue the claim directly against the at-fault driver’s insurer rather than claiming through your own home insurance policy.
- Why might I avoid claiming on my home insurance?
Some property owners prefer to explore alternative options because claiming on their own insurance may involve paying an excess and could potentially affect future premiums or no-claims discounts, subject to policy terms.
- What vehicle details should I collect?
If possible, record:
- Registration number
- Make and model
- Colour
- Driver’s name
- Driver’s address
- Insurance details
- What if the driver leaves the scene?
If the driver leaves without providing details, report the incident to the police as soon as possible and provide any information you have, including vehicle descriptions, registration numbers, photographs, or witness details.
