April 9th 2010
Car insurance tips for those facing an accident
A traffic accident is never a think to be happy about. Having even the smallest car accident will surely give you a lot of stress and headache. Not to say that things will be a lot worse if there’s someone injured or the damage to vehicles or property is serious. The best thing to do in such a case is to remain calm and not panic. You will need your cool head for evaluating the extent of damage and injuries before you even contact your insurance company to report the accident. And here are some things to keep in mind if you want to do that right.
Remain cool-headed
The first thing you should do is to calm down. It will certainly be hard especially if you never had accidents before. But this is very important for properly analyzing the situation and helping other people involved if they need help. You have to keep focus on all of the details so you can report them to your insurance agent or the police officer when you will be asked questions.
Call for help first
Prior to evaluating the damage and injuries there’s another thing you have to do. Call 911 and report if there’s anyone injured at the scene. If the accident took place in a location where it is dangerous to remain (heavy traffic, high risk of collision) it is better to move the vehicles to a safer place rather than waiting for the police officer to document the accident. This will save you from additional risk of damage or injury. When you have all of these things done you can take your camera and notepad for documenting the crash.
Gather evidence
Try to get as many pictures and notes from the scene while it is still as-is before the police start moving the vehicles. Then write down how the accident happened step by step as you remember it. If there’s someone who saw it happen around the scene, get their names and contacts, and ask for their version of the accident. It’s not wise to start arguing with them if you don’t agree with them. Just document as many evidences as you can to have plenty of information that can be presented to your car insurance company or the police.
Help the authorities
When the police arrive to the scene you should cooperate and do everything they say. Report everything you are asked about and ask for an additional copy of the report when it’s compiled. It can be a bit stressful to deal with so much documents but it will make it easier for your auto insurance claim to be processed faster.
Here are some things you have to pay utmost attention when documenting the aftermath of the crash:
1. Compile a list of any personal items that are missing after the accident.
2. Document the physical condition of all the people involved in the crash, even if it’s a light headache. Sometimes a light pain in the arm can turn out to be a fracture a few days later.
3. Take pictures of all the damage resulted from the accident. Take close up pictures of the damaged car parts and any infrastructure that has been affected by the crash.
4. Don’t sign any documents or agreements if you aren’t aware of their content. Contact your lawyer or your cheap car insurance company to learn what you should do in such a situation.