What to Do when Involved in an Accident
There is always that joy that comes with being able to legally drive a car. But there is more to driving on the roads than having fun. You will be sharing the road with other motorists, and accidents do happen. This is why you need to be prepared for such an eventuality. Here are the things you can do.
Once the accident happens, you should not panic or shut down. You need to first stop the car as soon as you can. No matter the extent of the accident, you need to stop the car. Driving away is an illegal move, and will make things worse. There is a need to keep the car in the same spot it stopped after the accident. But if there is moving traffic, you need to park it in the safest spot nearest. Turn on the flashers if the car is still on the road. This way other motorists will know it is parked there.
You now need to take a moment to catch your breath. This is a time when your emotions shall be all over the place. There is a need to be calm before you do anything. Do not act in anger or fear when interacting with the other parties.
You need to find out if the other drivers are alright. You need to get them talking. This is how they will remain in a calm state. If there are any injuries or anyone hurt, call in the emergency response teams. If no one is injured, you should keep at the small talk. Call the police then. You will need a police report of the accident when filing for a claim with the insurance company. It is important that you do not blame the other motorists, or accept the blame yourself. There should only be the details of the accident you talk about during that time. It is their job to assign the blame. Collect their names and badge numbers.
There is a need to collect photographic evidence of the scene of the accident. These photos serve to boost your claims when facing the insurance company. You need to take those that reveal more details of the accident, and the positions the vehicles ended up in.
There is also a need to exchange info with the drivers in the accident. This is how you will have an easier time later with the liability issues that are bound to come up. You need to have their license plate number, name, insurance info, vehicle make and model, passengers’ names, location of the accident, and any eye witness contact info.
You then need to contact your insurance company to file your claim. Something as flimsy as waiting can be used to deny you your claim. This is when you share what you gathered, and tell them how you saw the accident. You may read more here on that.