Being involved in an accident can be a frightening experienced, and dealing with the insurance companies afterward can turn into a major hassle. Learning what to do in advance can help you handle a car accident in a calm way. Here are five steps to take after an accident occurs.
Following a collision, you should see if anyone has been injured, both in your vehicle and the others involved. If anyone needs medical attention, call emergency services right away.
If your car is in the middle of oncoming traffic, you'll need to move it to a safe spot on the side of the road. Put on your hazard lights to warn other drivers.
You'll need to exchange information with the other driver. Get their name, address, and insurance information. When communicating with them, be polite and avoid saying who was a fault.
It's a good idea to record the names and contact information of any witnesses to the crash. Take photographs of the crash scene with your phone if possible. Having this kind of documentation can be helpful later when the insurance company is trying to determine who was at fault.
If the other driver was at fault for the accident, it's their responsibility to report it to their insurer. However, some drivers may be reluctant to take this step, so you should get in touch with their provider and tell them the facts of what happened. You should also contact your own insurance company even if you feel you weren't responsible. Should the other driver's insurance refuse to pay for your claim, you may end up needing to file with them.
If the police were called following the accident, they'll decide who was a fault and issue a ticket. The insurance company will come to it's own conclusion about who should be held responsible. The information you gathered at the site of the crash may be useful to them in making this decision.