The Dos and Don’ts When You’re in an Accident

Tuesday, December 13, 2011

The moments right after an accident can be a confusing time. It is a time when you are trying to figure out how badly you and your passengers are hurt and how much damage has been done to your car. While this period of time can be a blur of twisted metal, broken glass and fear it shouldn’t be an excuse for you to avoid taking the correct measures to protect you and your family. Below are the do’s and don’ts of what you need to do in an accident.

 
DOs:
 
1. DO call for help if you or your passengers are in need of medical attention.
2. After the accident, DO make sure that you call the police. The police can document the accident and pull together all the facts that your auto insurance company is going to need.
3. DO call the insurance agency and report the accident to them as soon as possible.
4. DO exchange all vital information with the other driver involved in the accident. This information should include name, address, telephone number, license and registration numbers and driver’s license number.
5. DO take pictures of the accident scene yourself. In fact, keep a disposable camera in your car at all times just for this purpose. Having scenes of the accident is often beneficial to insurance agencies.
6. DO take notes about the specifics of the accident. This can include homemade diagrams of the accident scene, the time, the date and the weather conditions. This information will also help your insurance company.
7. DO call your attorney to make sure that you are protected legally and are aware of your personal responsibilities under the law in that situation.
 
DON’Ts:
 
1. DON’T leave the accident scene. Leaving the scene of the accident is a crime and may subject you to criminal charges.
2. DON’T lose your head. Now is the time to remain calm so you can handle the situation in the best way possible.
3. DON’T speak to the other person’s insurance company unless your own insurance company or lawyer tells you to do so. The opposing insurance company will often try to get you to file a statement admitting fault, even if you are not the one at fault.
4. DON’T admit fault to either the other person or their insurance company. Let your insurance company handle this situation.
5. DON’T become antagonistic towards the other driver or start casting around blame. Remember, the other driver is probably just as shaken up as you and the last thing you need from a legal standpoint is getting in a confrontation.
 
 
Though an accident can be a jarring and emotional experience, if you follow the above steps you can rest assured that the situation is handled with the least amount of pain and expense.
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