Car accidents can be traumatic and stressful, raising a million questions in your mind at once and leaving you in a state of panic. Everything happens so quickly, you do not get the time to analyse the situation and react suitably.
While you are puzzled by what's happening around, it's important to ensure that everyone involved in the accident is safe. You also need to ensure that all legal steps are followed, and you get the appropriate compensation for your losses, if any.
Things to follow after a car accident
Here are a few things to do after a car accident:
- Calm yourself: An accident may leave you in a state of panic, shock, fear, guilt, anger, nervousness or mixed emotions. While these reactions are normal, calm yourself down to deal with the situation. Take deep breaths or count to 10, or try whichever routine that makes you calm.
- Determine injuries: Immediately after an accident, assess yourself and other passengers for injuries. Once you feel it is safe to move out of the car, check for other drivers' and passengers' injuries. If necessary, immediately call for an ambulance and wait for the help to arrive.
- Move your vehicle: If possible, safely drive your vehicle to the side of the road, out of the path of moving traffic. This will ease the congestion on the road and also keep you at a safe distance from traffic while you exchange important information with witnesses.
- Gather information: Talk to other drivers involved in the accident and try to get their names and phone numbers. Note down the model and license plate number of all the vehicles involved in the accident. Take pictures of the vehicles and people involved. Record statements of witnesses and make sure they agree to cooperate in the future.
- File insurance claim: Immediately inform your insurance company about the car incident and provide them with all relevant information. Do not lie or hide facts while recording a statement, and try to be as accurate as possible. The other driver may ask for an unnecessary claim; therefore, make sure your insurer has your version of the accident as soon as possible.
Frequently asked questions
- Should I file an FIR for a minor car accident?
If there are no injuries and minimal damage, it is not mandatory. But it is advisable to have an FIR for insurance claims and legal safety. Even if it looks like a minor accident, it is better to call the police. This way, you will have an official record of the accident, even if the other driver disputes it and tries to sue you. Also, police can dispatch necessary assistance in a serious accident.
- What is zero depreciation car insurance, and how is it helpful after an accident?
Zero depreciation car insurance ensures that your insurer covers the full cost of parts replacement without subtracting depreciation, resulting in a higher claim amount and minimal out-of-pocket expense.
- Can I claim insurance without a police report?
Some insurers may allow claims without an FIR for minor accidents, but it is safer and easier to claim with a police report.
- What if the other driver is uninsured?
Your comprehensive four wheeler insurance will still protect you. However, recovery from the other party might involve legal proceedings.
Conclusion
Knowing what to do after a car accident can make a world of difference in handling the situation efficiently. From ensuring safety to filing a proper four wheeler insurance claim, each step plays a vital role. If you’re someone who values complete coverage, opting for zero depreciation car insurance offers peace of mind and financial protection.
You must have comprehensive car insurance and be in constant touch with your insurer and repair shop after an accident to settle your claim fast. Opt for an insurer that provides prompt claim settlements and a track record of a high claim settlement ratio.
Stay informed, drive safely and always be prepared for the unexpected.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.