What to Do After an Accident?
Hopefully you’re not in your car on your personal devise reading this after a bad experience. After an accident, the first step is to stay calm and remain at the scene until the authorities have done their jobs. Leaving the scene of an accident, especially one involving a bodily injury is a serious crime and could result in severe penalties.
If you are the victim of a hit and run — A hit and run accident is a special circumstance and requires additional discussion. >
Accidents happen to EVERYONE. It is important not to make them worse by compounding the incident.
Do not get out of your car unless necessary and if you do be very careful to stay out of the traffic lane. If utility poles have been damaged stay away from the wires as they can kill you instantaneously.
Check everyone in your car for injuries and provide first-aid as you’re able. DO NOT MOVE ANYONE who is unconscious or has a neck or back injury. It is best to keep anyone who is injured calm and immobile until medical professionals can help.
Call the police if there is significant property damage, or if there is physical injury. Obtain the name and badge number of the officers who respond. Do not impede their work.
Exchange names, addresses, driver’s license numbers, license plate numbers and the name of insurance companies and current policy numbers with other cars. Do not become chatty, or admit fault. Make a few notes about how you recall the accident happening. You might not be the best person to decide fault and should not assume anything. Fault might not be as important as you might assume and could only prove to be detrimental to your best interests.
If there are witnesses to what happened, get their names address and contact information.
Use your cell phone to take pictures, but be very careful not to get in the way of traffic. Gawkers are not necessarily looking out for you. Many people are injured after the initial accident occurs.
Look at the insurance information in your glove compartment. There may be a number for your insurance company. They can be very helpful in arranging help for you if your car is disabled. NEVER lie to your insurance company. Tell them the facts as honestly and as completely as you can.
Make notes about the medical treatment you receive. The better your records the better you will be able to stay on top of things later.
If you don’t feel your insurance company is handling your claim correctly or isn’t offering you a fair settlement there are problem with adjuster. In most the best person to help you with your loss is your local agent. He will advocate for you with the company.
Other Enhanced Insurance articles related to Auto Claims:
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