Start with the essentials
- Exact location, road, lane and nearby landmark
- Incident date and approximate time
- Vehicle registration, make and model
- Damage description and photographs
- Repair estimate, paid invoice or garage report
Photographs—only when safe
Photograph the vehicle damage, the wider location and the defect if it is safe and legal. A wider image can help show where the defect sits in the road. Do not step into traffic or trespass to obtain a photograph.
A missing pothole photograph should be explained, not treated as a reason to take a risk.
Show the financial loss
Keep itemised garage invoices, estimates, recovery charges and reports. Our loss schedule separates estimated and final amounts and links each row to its supporting evidence.
Keep the statement factual
Describe only facts you can support: when, where and how the impact occurred, what damage was observed and what it cost. Avoid automatically alleging negligence or adding details from memory that you cannot verify.
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