You Just Crashed, Now What

01.11.17 - Minor Car Crash

Most of us don’t expect to be in a wreck at any time in our driving on the road but we see accidents on a daily basis during our commutes to and from work. This means someone else who probably headed out for the day without any thought of being in an accident, found themselves in a crash. Unfortunately accidents do happen every single day and it’s important that you know what to do when you’re in an accident. There are some things you need to do and others that you don’t in order to help the authorities and the insurance companies do their job better for you.

At this time of the year there are typically more accidents than at any other. With the holiday season behind us and the roads becoming slick and hard to drive on because of the snow and ice that can be present on the roads there is more possibility of an accident taking place. Before you consider what to do when you’re in a crash, think about making sure you don’t add to the distractions you already have in your vehicle to make sure you’re able to be ready to avoid as many potential accidents as possible.

When you are involved in a crash the first thing you should do once the vehicle stops is to figure out if you’re injured or not. If you are injured you need to call emergency services and get some medical attention to your area. Also check to see if others who are involved in the accident are injured, especially if you aren’t injured at all. The first priority is to take care of any possible injuries of the people involved in the accident, the cars aren’t as important as the people in them.

Once you’ve made sure no one is injured you need to get the cars out of the roadway. Before you move the cars, take a picture of the accident and the location of the cars on the road to show where the cars were when they collided. Once you have the pictures of the accident, move the vehicle to the side of the road. If another car is involved, suggest the other person do the same to move the vehicle to the side of the road. Once this is done, put your hood up and put your emergency flashing lights on.

At this point, you need to call the police and have them come and document the accident. The police report comes in as an important tool to use when insurance claims need to be filed and property damage needs to be assessed. After this you will be waiting for the police to arrive at the scene of the accident you can engage in conversation with the other person in the accident but don’t say anything that could be considered you saying that you were the guilty party in the accident, even if you know that you were the one that caused the accident.

Once the police arrive, be polite and tell them what you feel happened without saying anything that could be construed as being guilt on your part. Make sure you are compliant with the officers on the scene who may write a ticket to you or the other person in the accident. Just make sure you don’t say anything or do anything that will potentially cause you to admit guilt in any form. If you are issued a ticket, you own that ticket and it won’t help you to argue with them at all.

Before you leave the scene of the accident you should ask to find out how you can obtain a copy of the accident report. The officer will most likely give you a business card with the information on it which will tell you what you can do to get a copy of the accident report. After this you need to call the insurance company and report the accident to them so they know you’ve been involved in an accident. Most policies state you need to call and report the accident to your insurance company as soon after the accident as you can. Listen to this podcast and learn more about what you should do in an accident.

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