Josefa Ingraham 's blog ::What to do after a car accident
You were just involved in accident with another vehicle, in a parking lot or on the highway. What do you do now? Tips for what to do after a car accident: 1. Try to keep your composure. Make sure that you and your passengers are not injured. People are more important than a car. Call an ambulance if there are injuries. 2. Get a police report. Call the police even if you do not think they will come to the scene. Let them tell you they will not come to a parking lot or non-injury accident. 3. If it is safe, exit your vehicle and take pictures with your cell phone camera or any camera you have access to. Take pictures of the whole scene from a distance. Take pictures of the license plate and the driver of the other vehicle. 4. Exchange information including name, address, phone, vehicle year, make and model and insurance. You might not remember this information without writing it down. You will need it later to report to your insurance. 5. Do not accept fault or blame the other party. Do not scream at the person, this is not what to do after a car accident. Be as polite as possible. Accidents are accidents. They are not intentional. 6. You may want to make a claim against the other person's insurance company instead of making a claim on your own insurance. If you were definitely not at fault, then do not make an official claim with your insurance company. Some company's policies are to pay claims made regardless of fault. This will be on your record as an accident and may affect your rates. Plus, you do not have to pay a deductible. 7. It is not necessary to get three estimates for repairs to your vehicle. This is not required. The insurance company can guide you to where to take your vehicle or you can choose a place you trust. Ask friends of places they might recommend. 8. If the other party is uninsured, then make a claim on your own insurance policy. You will have to pay a deductible. Your insurance company will subrogate against the at fault party. Even if you are partially at fault, depending on the state where the accident occurred, you could still recover a portion of your deductible. Hopefully, you will not have to use these tips of what to do after a car accident. But, if you do and you have questions, fell free to comment on my article and I would be happy to answer you back. Sources: http://www.edmunds.com/ownership/safety/articles/43805/article.html http://www.statefarm.com/insurance/claim_center/auto/ins_claims_auto_afteraccident.asp |
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