What to Do When you have a Car Accident
I had a Car Accident, What Do I Do?
Car accidents are things that happen to the best of us. A car accident could happen at any time. If you drive a car, it is good to be prepared for this unfortunate eventuality. If you are aware in advance of what to do in case of a car accident, you will have a less traumatic experience while dealing with it. In this article, we provide you with some step-by-step information about what to do when you have a car accident.
- Stop, as it is a legal obligation. Even if you feel that there was no damage and it was a minor accident, if there was a collision, you need to stop.
- Do not claim responsibility. The contract with your car insurance company will clearly state that you should not admit liability or responsibility.
What You Require to Do at the Scene of an Accident
In a car accident, the other person being unknown, you need to get answers to questions about that person for filing an insurance claim. Rather than waiting for an accident to happen, make a checklist and store it in your car. Here is the step by step things you need to do:
Switch on your Hazard Lights
You don’t know immediately if you are obstructing traffic or if your safety can be at risk when getting out of your car. The best thing to do quickly is to switch on your hazard lights for your own security and the safety or other vehicles.
Assess Damage or Injuries
First, check to determine if anyone needs medical attention. Next, check the damage, but avoid moving the vehicles unless they are obstructing traffic.
Call the Police Station
You need to make an accident report even for minor damage. Accident reports are documents that describe incidents in detail so that police officers can get a clear picture of what happened. Once you have contacted the police, the police officer will give you a form for filling out a police report.
This report will provide vital information to your insurance company while processing your car insurance claim. Note the badge number of the police officer to whom you submit your report.
Avoid Detailed Discussion with the Other Party
Since you should not claim responsibility, it is better not to discuss the accident with the other party. Restrict your discussion to a police officer, insurance agent or a medical professional. If asked questions by anyone, stick to the point and do not offer any additional information.
Collect Relevant Information at the Accident Scene
You need to collect contact information of all parties involved at the scene of the accident. Get a description of the car and contact details of the other party along with their license plate number. You also need to make a note of the name of the other driver’s insurance company and insurance policy number and details of the other driver’s license.
After you have completed the above steps, next, you need to contact your insurance agent or insurance company to file a car insurance claim. Most insurance companies have a mobile app so you could use that to start the claims process.
Steps to Collect Car Information
If you have car insurance, you need to collect accurate information to ensure that your claim gets processed promptly. After providing a brief description of what happened, getting information about the other driver and the insurance details, here’s what you need to do next:
1. Car Accident Form
Get a car accident form from your Department of Motor Vehicles (DMV) or police station and fill it out.
2. Collecting Driver Info
Get the name and address of the other driver as well as the phone number and other contact details. You can store the phone numbers of all people connected with the accident in your mobile.
3. Driver’s Insurance Info
Take a quick look at the other driver’s insurance card. Note the name of the insurer and the insurance policy number. Also get the other driver’s license number and any additional relevant personal information.
4. Other Driver’s Car Information
Make a note of:
- Vehicle description
- Make, model and year of manufacture
- Vehicle registration number
General Accident Information
Collecting the right information on time is your key to a trouble-free claim process. This will avoid unnecessary running around for details once everyone connected in the accident has gone their separate ways. Here are a few things you need to do to gather accurate and useful information in case of an auto accident:
- A brief description of the crash
- Time of the accident and date
- The direction of your vehicle
- The direction of the other vehicle
- Photos of the accident for details of property damage
- Any additional information with regards to driving conditions, weather and so on.
- Contact details of witnesses if any
- Police officer’s name, contact information and badge number
- Description of personal injury, if any
What to do after the Formalities
Now that the official work is done, you need to get your car to a repair shop with experience to get it fixed. At Viking Motors, for example, you can get access to a complete makeover for your car in case of minor accidents, a fender bender, or even deer hits. Viking motors do more than repair cars – they also sell new and used vehicles and provide regular servicing.
Our autobody shop is located in Arborg, Manitoba in our 24,000 Square Foot Facility. Viking Motors can look after all your needs in buying and selling new and pre-owned cars in addition to repairing and servicing your existing vehicle. Viking Motors is not a just a company that pushes sales with no regard to what happens to the customer after the sale. From the day you buy your car, Viking Motors is your one-stop shop for all your car needs.
If you have an accident with your car now, you can now rest assured that you can handle the crisis efficiently by following these tips. You would do well to keep a checklist of what to do in the glove box of your car. This will ensure that you are well-equipped to handle auto accidents efficiently.