At Leadway Assurance, we understand that a car accident can be an overwhelming and stressful experience. As one of Nigeria’s most trusted insurance partners, we’re committed to guiding you through these challenging moments with clarity and support. This article outlines the essential steps to take if you find yourself involved in a car accident on Nigerian roads.
Immediate Steps After an Accident
1. Ensure Safety First
Your well-being is our priority. Immediately after an accident, move your vehicle to a safe location if possible and turn on your hazard lights to alert other drivers. If you or anyone else is injured, avoid unnecessary movement that could worsen injuries.
2. Check for Injuries
Assess yourself and others involved for injuries. If anyone is hurt, call emergency services immediately. In Nigeria, you can reach emergency services by dialling 112 or the Federal Road Safety Corps (FRSC) at 122.
3. Call the Police
Nigerian law requires reporting accidents to the Police, especially when injuries or significant property damage occur. A police report is typically necessary when you have Third Party Insurance and may be less critical for comprehensive insurance claims.
4. Document the Scene
We also recommend taking comprehensive photos of all vehicles involved from multiple angles: license plates, visible damage, road conditions, traffic signs or signals, skid marks, and weather conditions. These details help us process your claim more accurately and swiftly.
5. Exchange Information
Collect and share the following information with other parties involved: full names and contact details, vehicle registration numbers, driver’s license numbers, insurance information, and witness contact information. Having this information readily available will streamline your claims process with our team.
Leadway’s Insurance Support After an Accident
1. Report to Leadway Immediately
Our team is available 24/7 to assist you in your moment of need. The sooner you contact us after an accident, the faster we can begin processing your claim and providing support.
2. Filing a Claim with Leadway Assurance
At Leadway, we’ve streamlined our claims process to make it as stress-free as possible during this challenging time:
Making a Claim: Simple Steps for When You Need Help
- Report the incident immediately by contacting our Customer Service team via email at or call our customer service lines at (+234) 02-012800700 | (+234) 07080627000. You can also text “HI” to +234 812 999 7044 on WhatsApp to speak with LOLA
- Submit the required documents, including your claims form along with your policy document, pictures of the damage, repair estimates, and police report(For third-party liabilities). We recommend keeping copies of all documentation. We prioritize your health and well-being after an accident. Even if you feel fine, we strongly recommend getting a medical check-up, as some injuries may not be immediately apparent.
Medical expense coverage depends on your specific insurance plan. Autobase and Comprehensive plans include policyholder medical expense coverage, while third-party liability coverage is limited to third-party expenses. The extent of medical expense coverage will vary based on the specific limits of your auto insurance plan.
- On rare occasions, our claims process starts immediately as our expert assessors review your case, evaluate the damage, and keep you updated throughout the process.
- Settlement and payout happen quickly once requirements are met, ensuring you receive your claims payment without unnecessary delays. Our customer service representatives will stay in touch throughout your claims process, with a Leadway representative guiding you through each step and ensuring a smooth experience during this challenging time.
Preventing Future Accidents – Leadway Cares
1. Regular Vehicle Maintenance
At Leadway, we believe prevention is better than cure. We recommend having your vehicle regularly serviced at certified maintenance centres.
2. Follow Traffic Rules
As a responsible insurer, we encourage all our clients to adhere to Nigeria’s traffic laws. Safe driving can protect lives, which is how one protects the masses at large.
Conclusion
At Leadway Assurance, we’re more than just an insurance provider—we’re your partner in safety and protection. Our commitment extends beyond processing claims to ensuring your overall well-being on Nigerian roads.
Should you ever find yourself involved in an accident, remember that our team is just a phone call away. With over 50 years of experience serving Nigerians, we have the expertise and compassion to guide you through any road incident with confidence and care.
For more information on our Comprehensive Auto Insurance packages or to speak with a Leadway representative, visit our website or call our customer service centre 02-012800700 | (+234) 07080627000. You can also text “HI” to +234 812 999 7044 on WhatsApp to speak with LOLA today.
