A motor vehicle accident can be the start of a tumultuous time, both financially and emotionally. Depending on the level of property damage and the severity of your injuries, you might be out of work and facing significant repair bills. You will need to keep certain facts about the accident clear in your mind for future dealings with both the police and the insurance carriers.
After a car collision, it can be challenging for vehicle occupants to remain focused and clear-headed. But there are certain actions that must be taken to ensure future events run smoothly. Remember these five tips to make your life easier:
- Document everything: In the past, the advice was to carry a disposable camera and a notepad in your car. This is still good advice, although many drivers can simply use their cell phone to take dozens of pictures and notes following the accident. From documenting the vehicle damage and injuries, to snapping photos of the road conditions and noting witnesses, it is wise to fully document the accident.
- Call the police: Even if you feel it is a minor accident, law enforcement officers can document what happened and file a report that your insurance company can use for reference.
- Call your insurance carrier: As soon as possible, call your insurance carrier. They will start an immediate file on your accident. They might also be able to send a tow truck or other vehicle services to your location.
- Exchange information with the other driver(s): It is crucial that you note anyone who was involved in the accident. Make a note of the driver’s name and contact information as well as vehicle license plates.
- Use caution when discussing the accident: A trap that many people fall into is the later discussion of the accident. Don’t post about your accident on social media. Don’t admit fault – even a simple I’m Sorry might be misconstrued. Don’t sign any quick-settlement paperwork from the insurance carrier.
A serious vehicle accident can leave your entire family in turmoil. It is crucial that you keep clear documentation about the accident itself and your resulting injuries for extended conversations with insurance providers. You might be asked to recount detailed events days or weeks later to clarify the report. If you keep your focus immediately after the accident and follow these tips, you have a better chance for a successful recovery.