The step-by-step plan for filing a direct action

Filing a direct action with your WAM insurer follows a clear step-by-step plan. Step 1: Report the accident directly to your insurer, preferably within 24 hours, with details on date, time, location and parties involved. Step 2: Provide evidence, such as the European Accident Statement (completed by both parties), photos of the damage and any police report if applicable. Step 3: Complete the claim form via your insurer's app or website, including medical costs if personal injury is involved. Step 4: Await assessment; your insurer must respond within 30 days pursuant to the Legal Aid Act. Step 5: Accept the payout or negotiate the amount. Your insurer will then handle subrogation with the liable party. Errors in this process, such as late notification, may result in deductible or rejection. For more complex cases, consult a personal injury lawyer. This system significantly accelerates processing, with average payouts within 8 weeks. (202 words)