A comprehensive guide to handling vehicle accidents
Immediate Actions at the Scene
Safety First! If there are injuries, call emergency services immediately (10111)
If Your Vehicle is Drivable & No Injuries:
- Item one
- Item two
Move your vehicle out of the way
Do not create road obstructions
Ensure everyone’s safety first
If Your Vehicle is Not Drivable:
- Item one
- Item two
Contact a towing company
Vehicle must be moved to nearest Auction Nation
No other storage yard permitted
Remove all personal belongings
Evidence Collection
Take Photos Of:
- Item one
- Item two
The accident scene from multiple angles
Damage to your vehicle
Damage to other party’s vehicle
License disk of your vehicle
Other party’s number plate
Other party’s driver’s license
Street signs and traffic lights
Collect Information
- Item one
- Item two
All contact details of other parties
Drop a pin of exact incident location
Witness names and contact details
Note nearby landmarks
Report Your Claim
Report to police within 48 hours if there was another party or property damage
MyPolicy App
Register claim via app | Call Centre 012 470 5400 | Email lumunderwriting@lum.co.za
Information We Need From You
- Item one
- Item two
When & Where
Exact date, time, street address, landmarks, road type
Vehicle Usage
What you used your vehicle for, travel direction, driving action
Conditions
Weather, road conditions, light conditions, street lights
Impact Details
Damage location, collision details, final vehicle position
Driver Information
Name, ID number, relationship to policyholder, license details
Third Parties
Names, contacts, vehicle details, insurance information
Required Documentation
- Item one
- Item two
Detailed description of the incident
Incident sketch showing positions and movements
All photographs taken at the scene
Copy of driver’s license
SAPS case details (if reported)
Dashcam footage (if available)
What Happens Next?
Claim Validation. We verify vehicle coverage and premium payments.
Assessor Appointment
Professional assessor evaluates the damage.
Repair Authorization
If repairable: Authorization sent to approved panelbeater. Car hire arranged if vehicle not drivable (if covered)
Total Loss Process
If not repairable: Additional documentation required. Payment made once all documents received.
Total Loss Documentation
Vehicle NOT Under Finance:
- Item one
- Item two
Original registration certificate (NATIS document)
Signed change of ownership
Copy of owner’s ID
Letter confirming no outstanding money owed
All keys and spare keys
Vehicle Under Finance:
Copy of registration document
Settlement letter from the bank
Copy of owner’s ID
All keys and spare keys