How to Deal With Car Accident
After an accident, motorists are usually not always sure what the correct procedures are to take. To get through the process smoothly with an accident from scene to the claim can be confusing and a little daunting.
At The Scene
Right after an accident, the first thing drivers should do is assessing the situation.
Should Police Be Called?
The most important thing after an accident occurred is to check for injuries. If anyone is hurt, getting medical assistance is the top priority, and then the police should be called. Once it has been ascertained that no one is hurt, you should go through a checklist suggested here to assess the accident to see whether the police should be called.
- Is the damage appearing to be more than $1000?
- Has any private or public property been ruined in the accident?
- Does any driver look like violating of the law, such as drinking and driving?
If the answer is yes to any of those, you are advised to contact police immediately.
Dealing with Cars and Drivers
After the accident has been assessed, drivers may move on to deal with the scene:
- If car is still at driving condition, you should move vehicles out of the way of traffic
- Call a tow truck if cars cannot be driven anymore
- Exchange contact details with the other driver and their insurance information
- Note down contact information of any witnesses at the scene, including passengers
- Take photos of the scene and the damages
Things to Avoid
At the scene of the accident, fault should not be admitted. It is up to insurance companies to determine who is at fault, and if you admitting fault at the scene, which may affect the claim.
Avoid arguing with the other driver as accidents can cause people angry, try to be calm and avoid quarreling.
After the Accident
The next steps to work on after the accident is submitting a claim. Most insurance companies demand insurers file the claims as soon as possible, “It is best to report an accident before memory fades.”
When calling the insurance company, please be handy with such things as:
- Your insurance policy number
- The date and time of the accident
- The contact detail of the other driver and any witnesses
- Any valid information related to how the accident happened
The claim will be passed on to an adjuster following an initial report, who will be in contact with you again and assess the damage again. If it is not done properly, the vehicle could be taken to a reporting collision centre.
Your insurance providers will handle your claims meticulously and let all involved parties know what the next stages will be. It is, therefore, vital that everyone should provide complete and accurate information to the insurance companies so that a right outcome can be reached. The fault determination rules Victoria will help the insurance company determine whose fault is at the accident.