If you are involved in an accident do not discuss who was to blame as this could lead to complications for you and your insurance company. However you should still take down the facts of what occured.
It's a common misconception that having fully comprehensive insurance means you can drive any car. Unless your insurance states you're allowed to drive other cars then you cannot. when purchasing your next car insurance policy, check to see if you can drive someone else's car.
Some companies now offer child car seat replacement, which means they will replace your child's car seat after an accident even if there is no visible damage.
One way to get lower car insurance is to buy a car that belongs to one of the lower insurance groups. These are norammly vehicles with a lower engine size and basic equipment and cheaper to repair in the case of an accident.
If you are making a claim and have comprehensive coverage some companies try and settle the claim within 5-7 days. Why not see if your next car insurance policy has a statement online of how long a claim normally takes to complete.
