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Insurance Article

Steps to Take After a Car Accident

November 17 2016
Steps after Car Accident

A comprehensive list of do's and don'ts to follow a car accident

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. Here are a few dos and don'ts to after a car accident:

DO's

  • 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 driver 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 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 co-operate in 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 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 accident as soon as possible.

DON'Ts

  • Leave the scene: Never leave the scene of the accident regardless of whether you caused it or not, even if it's a small wreck. Leaving the scene is a criminal offence and can attract serious penalties or even imprisonment if the condition of injured deteriorates.
  • Forget to call the police: 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 and tries to sue you. Also, police can dispatch necessary assistance in a serious accident.
  • Neglect the aftermath: The aftermath of an accident can be traumatic and painful. You might need to consult a doctor or a lawyer if the other party threatens for a legal action. Make sure you file your claim on time within the limit set by your insurer and get the necessary compensation.

You must have a 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.

Related Article:

7 Stress Factors You Must Manage While Driving
All You Need to Know About Road Side Assistance

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