What's the best way to document the damage in an accident?

When you buy your insurance, we'll email or post you a Certificate of Insurance. When you renew your insurance, your Certificate of Insurance will be included when we send you your renewal documents.

You can also get your renewal documents or Certificate of Insurance through your online account:

1. Log in to your account
2. Click View Policy
3. Navigate to the area called Policy Documents.

You don't need to call the police for every incident, however you should call them if:

• You feel unsafe
• The accident is causing a traffic hazard
• You believe alcohol or drugs may be involved

Most importantly, call an ambulance first on 000 if you or anyone else is injured.

Sometimes damage ends up costing less than paying the excess. You can have your vehicle assessed before you decide if you want to go ahead with the claim.

We can help you find a repairer most convenient to you to assess the damage. If you don’t want to continue, you can always withdraw the claim without having to pay any excess.

You can start a claim by calling us on 131 123 anytime, 24/7.

The best way to see how to make a claim is to visit nrma.com.au/claims, select your type of policy and follow the steps. You can also call us on 131 123 – we're available 24/7.

Determining who's responsible for an accident is assisted by the road rules, and establishing if there's any negligence that's contributed to the accident.

When we review who's responsible for an accident we'll ask for all drivers involved in the accident for their version of the incident.

The decision can also be helped by any diagrams and photos that you or the other drivers may have, any witness statements and the map location of the accident.

A certified document is a copy signed and stamped by an authorised person who has checked it against the original document. In Australia, a range of authorised people in your community can complete this, including Medical Practitioners, Legal Practitioners, Court Officials, Justices of the Peace (JP), Full-time Primary or Secondary School Teachers, Pharmacists, Veterinarians and Police Officers.

To certify your documents:

1. Make copies of the original documents. If you don't have a photocopier, most newsagencies offer this service
2. Take the original documents, such as your driver's licence, the insured's driver's licence or evidence of death and your copies to an authorised person to sight, stamp and certify your copies as true and original

When you make a claim, we may ask you to provide documents that help us assess and settle your claim. Documents can also be used to help us identify correct replacements for you.

Some examples of the types of documents are receipts, valuation certificates, credit card or bank statements, photos or an emergency services report.

Your No Claim Bonus won't be affected if:

• You were in an accident that wasn't your fault, and
• You give us the name and address of the driver who was at-fault.

Your No Claim Bonus might be affected if:

• You were in an accident that was your fault, or
• Your vehicle was damaged by storm or theft.

Your No Claim Bonus won't be affected if you can't be reasonably be expected to provide the other driver's details. (For example, if the damage occurred while your vehicle is parked and you're away from the vehicle.)

Call us on 131 123 to find out exactly how your No Claim Bonus could be affected by your claim. For more information, read the Premium, Excess and Discounts Guides on our policy booklets page.

Important: We're phasing out our No Claim Bonus. If you currently have a No Claim Bonus, it will apply until you next renew.