Accidents are part of everyday life. But what do people think of whenever the word accident is mentioned.
You guessed right! Vehicle accidents, bikes, trucks, and cars crashing and colliding. They can happen anytime, anywhere and in really unexpected ways.
When you?re going to work early in the morning, going home or even just starting in your car. You feel a sudden jerk on your neck and steel crunching.
The next you learn is that your car has been rear-ended or crashed from the side, by some doofus that got a little too distracted from the road.
And there you have it, another pain to deal with for the day.
In the U.S alone fatalities from car accidents reach 40,000 yearly.
Motor vehicle accidents the forth in the list of preventable causes of death in the country.
Adding the fact that these accidents are least expected, they can prove to be very traumatic for everyone involved (except the police).
Statistics have shown that even the most cautious of drivers are involved in at least one accident in their lives even if it may just be a fender bender.
Car insurance companies have noted that every 17.9 years, a driver is expected to file an insurance claim for a collision.
Now that you know that you will become part of a crash or collision, even if it were not your fault, it would be a better idea to prepare yourself for what to do next.
Here we have a step-by-step guide to make you understand each step:
Much of the work following a car accident is almost the same regardless of the causes of road accidents.
But keep in mind that there are things that you need to do to protect your interest.
This makes sure you are not put in a bad position in case the other party leaves the scene of the accident, does not report the incident, has conflicting views or contradicts your account of events, or may even be uncooperative.
Right after the Accident
Being angry and impatient only worsens the matter. Always check yourself and the passengers in your car to see if they sustained any injuries.
If you are little check if that?s the case for all the people involved in the accident.
Seek immediate medical attention and if you are injured, think the same for the driver involved. A people will always be more important than your vehicle.
Make sure that all the vehicles that were in the accident are moved to the sides and don?t cause unnecessary jam for the incoming traffic.
Also, try to take note of any injuries on your side.
Read Also: Top 10 Must Have Modern Car Safety Features
Gathering Information is a must
You have no doubts on the matter; the other driver is at fault. So, that driver is responsible for reporting to their insurance company on the incident.
Assuming the other driver will take care of it and leave.
Leaving is considered a felony, until or unless you have the proper evidence and information about the event.
- Name, address, and telephone number of the other driver
- Insurance company name and policy number of the other driver
- Witness statements and their contact information (if applicable)
- Photographs of the scene (including the license plate of the other driver) and the site of the damage
Can I call the Cops?
Whether or not its clear that you are the victim of the accident, the above information is important.
In case of physical injuries or notable damage, consider calling the Cops.
It must be stated that police reports may not be admissible in a civil court, but it will most definitely give your side of accounts leverage, in the event of a car accident, not your fault.
When you get Home
Assuming that you are safe and sound and have reached your home, there are things need to be taken care off.
As soon as possible contact the driver at fault?s insurance company and notify them.
If you did indeed sustain injuries, keep have them in detailed notes.
Hoping for the best-case-scenario, the other driver will report to their insurance company, and they will write you a check for the damage (vehicle and medical).
Contact your Insurers
Automobile accidents happen in instants and unexpectedly, meaning you did not grasp the complete story of it.
You could be very well at fault even if somewhat partially. Or the Insurers of the other driver denies responsibility.
Either way, notifying your insurers means build establishes good-faith.
They will know if a legal challenge needs to be pursued, or a collision claim for the damage is required.
Sue the other Insurance Company?
Most likely the insurers of the other driver take care of the medical and vehicle damages you get.
However rarely, some insurance company denies claim and responsibility of the matter.
This happens especially in case a police report is not present. That driver is covered, and you are left alone.
At this point, your insurers might cover for the damage and even sue the responsible company, or try to settle together.
Note that you can always opt to hire a lawyer and sue the other company?s insurers or even the driver if they are uncooperative.
This also means that having solid evidence and a police report will be to your advantage.
Also, hiring a lawyer can at times be more expensive than the accounted damage in total.
Be start and inspect both sides before opting for this alternative.
The best way to drive is defensive. This might not affect another driver from recklessness but will the crash won’t be your fault at least.
Remember, drive as if everyone else is blind and you?re the only one with working vision. Look out for yourself and others.
In the event, you get into a car accident, not your fault, be calm, clever and meticulous.