Being prepared before a car wreck can make all the difference
What to Do if You Have a Car Wreck
by Rhonda Grice
|Understanding Auto Insurance|
Did you ever wonder what to do if you have a car wreck? Most people never even think about it, until they have one. I am about to reveal to you how you can be prepared, and what you should do if this happens to you.
There are some items you should always carry in the car in order to be prepared. You need pen and paper, flashlight, and disposable camera. If you have a camera on your cell phone, this will work fine also. It is also good to carry a card with any special medical condition you might have. These items are to help you do a good investigation of the accident.
First, and foremost, if you have an accident, and you are injured, seek medical help right away. The tips I am about to share with you are for accidents where the occupants are able to walk away.
Once the accident happens, get out of the car, and ask if everyone is okay. If everyone is okay, start exchanging information with the other driver. Get their name, address, phone number, and information off their insurance card. If they won't give you any information, be sure and get the license plate number off the car. This information you will give to your insurance agent.
Try to get the names and addresses of other people in the car, if they will give it to you. And don't forget witnesses. Always get their information, too. If you see anyone standing on the side of the street watching you, then go over and ask if they saw the accident. This could be the one thing that saves you from a "he said, she said" situation.
You will find that most people do not want to admit they are at fault for the accident, so witnesses are a good thing!
Take a picture of the vehicles, before moving them. This will show where the impact on the car is, and can sometimes even tell who is at fault for the accident. The way the dent is pushed in sometimes tells the story better than the person. Also take a photo of the street signs where the accident happened, and the intersection, if you are in one. This is because your adjuster may want to know where the hills, inclines, and traffic signs are. The more information you can gather up, the easier your claim will proceed.
One last thing I would like to mention is this. Do not volunteer information right after the accident happens. Here is the reason why. What if you think the accident is your fault because you didn't see the other person until it was too late? So you start by saying to everyone, "I didn't see you. I'm sorry I hit you." Don't do this!
What if the other driver was speeding and on their side of the street was an incline. You would not have been able to see them before they came flying over the hill and would have had no time to react! You don't want to be held accountable when you really are not, just because you admitted guilt at the scene.
I hope you are never in an accident, but if you are, please use these tips to help your claims process along and possibly save you from paying for an accident that is not your fault in the first place. Drive safely!
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