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Car Accident Claim
No one really likes to think about having an accident with their vehicle, but if you drive, you're at risk for ending up in a crash,[link widoczny dla zalogowanych], no matter how minor. Luckily, the majority of car accidents is fairly simple and end up only causing minimal damage to the vehicles, but it's a good idea to know exactly what you should do in the case of a car accident.
1. Check if anyone is injured. Not all injuries will show up right away, but you definitely want to make sure that everyone involved in the r accident is alright. The first concern, if anyone is injured,[link widoczny dla zalogowanych], is to get medical help. You'll need to stop any bleeding and call 911 to make sure that help is on the way.
2. Divert traffic, if needed. Often, a car accident that immobilizes a vehicle will end up blocking traffic, so it's a good idea to ensure that there is a way to divert traffic, either with a flare or traffic cones from an emergency kit or having someone actually wave passing cars around the broken down vehicle. Hazard lights are also a must if they are still functioning.
3. Report the accident. Your car insurance will be useless if you can't prove that the accident actually happened. So, an accident report should always be filed with the police even in minor fender benders that don't seem that serious. You'll need to make repairs and you definitely want the car insurance company to cover it, so make sure that everything is on paper and signed by the police. Stay on the scene until the accident report has been completely filled out.
4. Don't admit anything. Immediately after an accident, it's a good idea to keep your mouth shut as to who was at fault. It's pretty easy to get angry, particularly if you weren't the one at fault,[link widoczny dla zalogowanych], but that can lead to a much nastier situation. To prevent problems, it's best to wait until the police arrive. Also, admitting that you were at fault can cause problems down the road, so keep your mouth shut until you can speak with the police or your insurance company.
5. Write everything down. It's a good idea to keep a pad of paper and a couple of pens in your glove box. This way you can write down all pertinent information that could be useful later on. This includes names of all parties involved, addresses, phone numbers and email, as well as the license plate number, car insurance information
and VIN, since these can all be handy later on if the incident goes to court.
6. File an insurance claim. This should be done as quickly as possible after the accident. For minor accidents, you can even call from the scene and make sure that your claim is in as fast as possible. Not only does this mean you can shorten the amount of time that it takes for your claim to go through, you have the added benefit of police officers there to help you explain the situation and give them information.
Car insurance is vital to have when comes to accidents. While no one wants to be in a car accident, that doesn't mean you should ignore the worst case scenario. You could be in the position where you need some repairs on the vehicle, thanks to the accident,[link widoczny dla zalogowanych], and rather than having the huge expenses come out of your pocket, your insurance company will take care of it, something that can be no end of relief when everything else is going downhill.
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