Every year, the US has more than 6.1 million car accidents. Preparing yourself in advance is vital because you might be unable to think straight after a minor or big incident if you need help.
Regardless of whether you caused the collision, you want to be ready in case you get into an automobile accident. Being ready will defend your rights to file a claim on your auto insurance policy against the negligent driver and stand on your behalf should another driver mistakenly place the responsibility for the collision on you.
Here are some tips to help streamline the claims process during and after the incident.
Firstly, Check Your injuries.
Make the call yourself in case of injuries, or ask someone else to do it. If your injuries are severe, try not to move and wait for help.
You should pull over to a safe, well-lit spot, ideally somewhere public, so that onlookers may see you and the other driver.
Insurance Information Institute representative Scott Holeman stated that “if you are bumped from behind and think you can be the intended victim of a staged accident,” this is especially true.
Move your car, even to a sidewalk, if it risks traffic safety.
Check your vehicle Is out of danger.
Drive your car carefully to the side of the road so that it doesn’t obstruct traffic if the accident is minor and you are unharmed. The Move Over rule helps to protect the safety of passengers and first responders along the side of the road. Keep your hazard lights on and use reflective emergency triangles to warn others to slow down and change lanes. Leave the cars where they are if injuries or collisions are more serious.
Be extremely cautious when exiting your automobile, especially if the collision happened on a busy street or highway, even if you don’t believe you were hurt. Your reasoning may be flawed, which could endanger you.
Call the police
Call the police after an accident. It is an important step after a car accident. Police departments are losing officers faster than they can hire new ones, potentially reducing their response time to minor car accidents.
Some departments are transitioning to online reporting instead of dedicating resources to the scene. If a police officer arrives, obtain the accident report from them. If not, request it from the law enforcement office or insurance adjuster. File an incident report for potential damages or injuries.
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Document the Accident Scene
The III recommends identifying police officers, obtaining a copy of the accident report, taking images of your car, noting down the names and addresses of all involved parties, and speaking with witnesses.
This will help bolster your claim and ensure all necessary documentation is organized. Keeping a page of this information in your vehicle can also help in organizing this information.
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