Accidents occur. They can happen to anyone on any road and at any time. Knowing what to do when an accident occurs is essential. If you cause an accident, your liability auto insurance may provide financial protection. Knowing this is just step one. Most drivers also need to take into consideration how to react in the situation. What should you do?
Handle the Emergencies First
Most of the time, if someone suffers an injury of any type, you should call an ambulance. Even if the incident seems minor, injuries should receive immediate care. Call for medical help as needed. And, be sure to inform the police. You want to ensure the police arrive at the scene. They should document the incident and determine fault. This can help determine insurance responsibility at later times.
What to Say and Do
In all car accidents, there is no reason to admit fault. Rather, explain what you were doing at the time of the accident. Did you turn? Did you cross over the center of the lane? Perhaps you were looking at your phone.
Be honest about what happened. However, you do not need to state you caused an accident. You do not know what was happening in the other vehicle at the time of the incident. Even if you think the accident was your fault, it very well might not be.
Be sure to provide all the details about what happened to the police. Then, call your auto insurance agent. Provide details to your agent, too. This should include:
- Pictures of what occurred
- A statement about the incident
- Access to the police report (some car insurance agents can access this on their own)
- The contact information for other parties involved
- Any other details requested by the agent
Your agent goes to work for you. Be honest about any mistakes you made. This is important. Your car insurance provides you with liability protection. This may include legal defense if you face a lawsuit after an accident. The more information you provide to the agent, the more effective this type of care can be for you.
In every situation, your first action should be to ensure anyone present gets the help they need. Then, work to gather information to use later. You may not be responsible for the incident. Or, you may be looking at a long, costly battle. In all cases, your auto insurance is there to help defray some of the costs up to your covered limit.
Also Read: How to Teach a Teen Driver to Avoid Distraction