A Step By Step Guide For Dealing With A Car Accident

Even the most sensible drivers are at risk of getting into an accident. You can do everything in your power to make sure that you don’t crash but you’ve got no control over the other drivers. If they’re being reckless on the road, you might not be able to prevent an accident every time. The good news is, most accidents are only small collisions which aren’t that dangerous, as long as you know how to deal with the situation properly. If you don’t take the right steps in the immediate aftermath of a car crash, you can make the whole situation a lot worse than it needs to be. Here’s exactly what you need to do in the event of a car accident.

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Stop

This sounds pretty obvious but it’s worth mentioning. It’s absolutely essential that you stop the car if you’re in an accident, even if it’s just a tiny bump. It’s against the law to hit somebody or something and just drive away. You might think that you’re not going to get caught but you probably will, and you’ll end up in a lot more trouble than you would have done had you just stopped at the scene of the accident in the first place.

Once you have stopped, it’s important that you make yourself known to other drivers to avoid any further accidents. Put your hazard lights on and if you’ve got any reflective cones in the car, put them around the scene of the accident.

Call The Police

Now that you’ve protected the scene of the crash, you need to call the police. People don’t often think you need to call the police if it’s just a minor crash but you should every time. You’ll need to file a claim with your insurance company at some point and that’s a lot easier if there is a police record of the accident. They will also be able to decide whether either driver was at fault which is important when you’re making a claim. The police will get all of the relevant insurance details from each driver as well, which you’ll need later when you make a claim. Don’t touch anything before the police arrive, just let them do their job and stay out of the way.

Take Some Pictures

Insurance companies don’t part with their money easily, you can’t just ring them up and tell them how much the repairs are going to cost and expect them to start handing out money. They’ll need proof of the damage so you need to start taking some pictures on your phone of both cars right away. There’s always the chance that the other person may lie and exaggerate the damage to their car. That’s why it’s so important that you take plenty of pictures and document the crash properly.

See A Doctor

Even if you didn’t crash at high speed and you think that you’re fine, there’s always the chance that you could have whiplash or something like that. Just to be safe, you should go to see a car accident doctor and get yourself checked over. Any injuries that you have will also affect your insurance claim so it’s important that they’re documented by a professional. This is especially important if the crash is more serious and you end up having to take time off work, you might be able to claim money from the insurance for that loss of earnings. If you’re going to do that, you’ll need doctors records from immediately after the accident.

File An Insurance Claim

Now that you’ve checked everything is ok, you need to report the crash to your insurance company and make a claim. Most insurance companies require you to report the crash right away so don’t wait around. They take a while to sort the claim out too so the earlier you do it, the better. Make sure that you’re providing them with as much information as possible to make the process smoother. That’s where all of the photos that you took earlier come in. By sending evidence of the damage, you can put to rest any arguments with the insurance company about the cost of repairs on the car.

Get Back On The Road

This is a step that people don’t often consider but it’s an important one. Your car is a lifeline and without it, you’ll struggle to function on a daily basis. But getting back onto the road after a crash can be daunting. It’s only natural that you’re going to worry about another accident but there are things you can do to help. Fitting the car out with safety features like automatic braking or going to a driving course can all help you rebuild your confidence behind the wheel.

If you’re ever in a car accident, you need to follow these steps to the letter. If you don’t, you’ll make the whole thing way more stressful than it needs to be.

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