Here are 10 tips to help make an accident less confusing
, less frightening, and even less costly.
The first thing to do is to assess the accident to figure out if anybody is seriously hurt. If there are any medical injuries whatsoever, call 911 to get an ambulance at once and try to stay calm.
Try to move your car to a safe location off the road once you have addressed any medical conditions. If the cars are movable, try to drive them over to a safe position near the location of the accident, although you should try to stay close to the accident site, because if you go too far, you’re at risk for being accused of leaving the scene of an accident.
Cars aren’t movable? Call a tow truck and try to put out hazard triangles or flares to stop traffic. Remember that emergency preparation kit? Here’s just one instance when it really comes in handy. Although, if there is a lot of traffic and it’s difficult for you to get into the street to put out the hazards, don’t risk it. Always be careful.
Call the police, no matter how serious the accident. The police will let you know if they will come out to you or if you need to go to a station or other location. While you’re waiting for the police to arrive, and if there are no serious injuries, you should do the next step.
Exchange information with the other driver. You should get the name, address, phone number, and driver’s license number of the other driver, as well as their insurance information. Ask to see their insurance card. This will let you know that they’re insured, and you can get their policy information or agent’s name and number.
Take down the year, make, model, and license plate number of the other car.
If there are any witnesses, ask them for their contact information as well. This will be especially helpful if there are legal questions later.
Once the police arrive, simply explain what happened.
If you have a camera or camera phone, you should also take pictures of the accident.
Make sure to call your insurance agent or insurance carrier.
Report the accident as soon as you can. Again, simply tell your agent or carrier the facts of what happened. Accidents are never good, but if you follow these suggestions, dealing with an accident will be much easier, and you, and possibly your car, will be much better off.
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