Car accidents, even minor collision, are a grievous unavoidable truth. When you are in a car accident, you need to be ready, whether you caused the collision or not. Being prepared beforehand will assist you with ensuring your capacity to make a car insurance claim against a driver who is to be blamed, and furthermore secure you if another driver erroneously blames you for the accident. This article will cover what to do after a car accident, including what documentation you would require, what coverage you need, and filing a claim.
Table of Contents
- 1 Steps to take after a car accident
- 1.1 1. Stay Calm and See if Anyone Is Injured
- 1.2 2. Get to a Safe Area and Call for Help
- 1.3 3. Exchange Car Personal Information
- 1.4 4. Document Other Pertinent Information
- 1.5 5. Collect and Save All Documentation
- 1.6 6. Talk to Your Insurance Company
- 1.7 7. Make a Doctor’s Appointment
- 1.8 8. Get Legal Help if Necessary
- 1.9 9. Be Sure You Understand Your Bills After an Accident
- 1.10 10. Complete Necessary Car Repairs
- 2 What to do after a minor car accident?
- 2.1 1. Check for Injuries
- 2.2 2. Look for Sparks or Fire
- 2.3 3. Don’t Block Traffic
- 2.4 4. Stay Calm
- 2.5 5. Get Contact Information
- 2.6 6. Call the Police
- 2.7 7. Take Pictures
- 2.8 8. No Roadside Negotiations
- 2.9 9. Don’t Leave
- 2.10 10. Call Your Insurance Provider
- 2.11 Minor Accident Follow-Up
- 2.12 Talk to an Attorney About Your Auto Accident Claim
- 3 What to do after a car accident that’s not your fault?
- 4 What to expect after a car accident?
- 5 Determine what insurance coverage would apply
- 6 Filing a claim
- 7 Conclusion
Steps to take after a car accident
1. Stay Calm and See if Anyone Is Injured
The instance right after a car accident can be inconceivably upsetting — you may wind up in shock, dazed, or feeling like everything is moving in sluggish movement. You may likewise discover your adrenaline kicks in and need to escape the car and evaluate the harm. Take this second to stop, inhale, and deliberately check yourself for any car accident wounds. Recollect that you may not feel the meaning of a physical issue especially because of shock and adrenaline, particularly a physical injury like whiplash. Staying quiet may sound outlandish, yet it can really be the way to continuing through the following steps effectively!
2. Get to a Safe Area and Call for Help
Investigate get your heading to see whether you are in a protected area. On the off chance that conceivable, pull your car over to a safe place and turn on your danger lights. In the event that you have supported any wounds that might be exacerbated by development, recall your health and security need to be your first priority.
Call 911 when you have checked for any wounds and are in a more safe region. Spectators or the driver in the other vehicle may likewise call 911, however do not expect this to be the norm. Likewise, you can in any case call 911 regardless of whether the driver of the other vehicle attempts to pressure you into not letting the police know. Obviously speak with the 911 administrator about the condition of yourself, the other driver supposedly, and a description of where the accident occurred.
Police at the scene will give a record of the accident and can help give setting to a future claim. On the off chance that paramedics likewise go to the scene, make certain to permit them to completely check you and try not to say “I’m fine.” Most car accident wounds require a significant stretch of time to shoe symptoms, so permit clinical experts to thoroughly check you for any symptoms of whiplash, blackout, and so on
3. Exchange Car Personal Information
It can be pretty natural and even tempting to express frustration or apologies to the other driver, however, refrain from discussing the fault of the accident. Ask the other driver for their car insurance information and collect as much data as you can.
It can be helpful to know the following information:
- Driver’s license number
- Insurance company and policy number
- Make, model, and color of vehicle
- Name of the driver
- Phone number of driver
- Tag number
- Vehicle’s registration number
While a few groups of people who experience a car accident like to call their insurance organization on the scene, it is significant that you not talk with the other driver’s insurance organization on the telephone. Abstain from saying “I’m sorry” or “It was my fault”. Permit police to survey the scene and foster their decisions while you focus on gathering data.
4. Document Other Pertinent Information
There can frequently be a great deal of action on the location of a car accident, from the other driver, any travelers, police, paramedics, and even observers or onlookers. Once you have traded insurance data with the other driver, here are some different things to record:
- Ask any witnesses for their contact information, but do not force them to say anything to the police officer on your behalf
- Ask for the police officer’s name, badge number, and phone number
- Ask the police officer for the police report number and how to get a copy
- Take a picture of the driver’s license plate
- Take notes or pictures of any other potentially relevant information (location, date, time etc.)
- Take pictures of the damage to both vehicles, even if you and the other driver(s) disagree on the level of damage done
5. Collect and Save All Documentation
With regard to documentation of a car accident, appropriate documentation is extremely significant. Your insurance organization, and conceivably your attorney (on the off chance that you choose to record a claim), will need to have however much data about the accident as could reasonably be expected. For insurance and legal purposes, it is critical to start gathering clinical documentation on any injuries you might have received as a result of the accident, in order to comprehend the seriousness of the wounds, potential treatments, and backing any claims for repayment of clinical arrangements and bills.
6. Talk to Your Insurance Company
As well as giving your insurance organization the appropriate data above, you will likewise need to talk about the kind of coverage you have, the coverage of the other driver, and how your insurance will cover you dependent on who was at fault. Your insurance agent can talk about if you should record an insurance claim, and how you would do that. Furthermore, you need to think about your state’s legal time limit regarding the car accident and any injury claim with your insurance organization.
7. Make a Doctor’s Appointment
In the event that you have been in a car accident, plan an appointment with the doctor straightaway. Looking for clinical treatment after a car accident is extraordinarily significant, regardless of whether you have experienced any symptoms or not. Because of shock, adrenaline, and postponed responsiveness, you may not foster indications immediately. Whiplash is an example of this, as it might take effort for your body to appropriately convey indications of agony or injury until some other time.
The dependable guideline with car accidents is that assuming your car has any harm, regardless of how minor, your body may also be injured. Look for clinical treatment even if it is just to preclude any expected harm. No one can really tell what hidden issues may create, and doctors have advanced and updated information and new technologies to give you a precise diagnosis. The main point to consider after you have been in a car accident is your health and safety.
8. Get Legal Help if Necessary
On the off chance that you were harmed in a car accident, you might need to look for legitimate assistance with an accident specialist. Accident experts can assist you with deciding if you need a lawyer or not. Car accident victims who have sustained major injuries might need to look for legal action to help reclaim any lost wages, remuneration for clinical care, and more. Auto injury attorneys realize how to function with insurance organizations. They will assist you with exploring the confounded claims and settlement cycle and help guarantee that you recover all types of damages you merit dependent on your experience. A car accident lawyer can likewise help assess any settlement offers, assist you to conform to any state laws regarding limitations when vital, and handle all the difficult parts of documenting a successful claim.
9. Be Sure You Understand Your Bills After an Accident
When it comes to getting insurance, things can get confounding. Many clinics and hospitals acknowledge most types of medical coverage and represent considerable authority in third-party liability, which is an insurance strategy that covers
10. Complete Necessary Car Repairs
After a car accident, your car is either repairable or completely wrecked. In the event that it is totally destroyed, your car insurance organization will give you an estimate of what your car is worth. Realize that you can search out a second opinion of the car’s value by discovering comparable pricing for what it would cost to supplant. Use assets like CARFAX for a report on the worth of your car and how decreased claim esteems on your car. On the off chance that there is a critical distinction between the two sums, talk with your insurance organization about the disparity to guarantee you get the sum you qualified for.
Fixing your car after a car accident does not need to be an upsetting encounter, however from the start, it can appear to be overpowering. We suggest you track down an autonomous body shop that will evaluate your car and work with you to decide a reasonable worth of services. Regularly, car insurance organizations will demand you select from a list of favored body shops, however these shops are frequently accepting payment as a debasement check with the insurance organization. Consider getting an estimate for fixes with an autonomous body shop who is working for you as their client, and not for the insurance organization, which assists you with understanding the amount you can anticipate that repairs should cost.
What to do after a minor car accident?
Indeed, even a minor car accident is sudden and unpleasant. A small amount of harm to your car can be costly, and you would prefer not to be paying repair costs if it is not your fault. The accompanying tips are intended to help you stay clam and realize what to do after a minor car accident.
1. Check for Injuries
Call an ambulance if you are not sure whether you or your passengers are injured. Certain injuries from car accidents are not immediately noticeable.
2. Look for Sparks or Fire
Move away from the car if you smell gasoline or see smoke. However, keep in mind that when airbags are deployed seeing dust in the air is normal.
3. Don’t Block Traffic
In case of a minor accident, move your car to a safe location, away from the road, where you can talk to the other driver.
4. Stay Calm
Being shocked or angry after an accident is pretty normal. However, it is important to keep your emotions in check. Do not blame the other driver and do not apologize for being involved in the accident.
5. Get Contact Information
Exchange telephone numbers, email addresses, and insurance strategy data with different drivers. It is a smart thought to utilize the camera on your phone to take a picture of the other driver’s license and insurance card. After the accident, it will be simpler to read the data from a photograph than a quickly composed note. Likewise, get the contact data of any bystanders.
6. Call the Police
It is critical to have the police report made while it is new to everyone. Also, numerous states have laws requiring the police to be called on the off chance that somebody is harmed, or the damage is over a specific value. Your insurance organization may likewise require a police report. On the off chance that you were not to blame, this report is essential to you since stories have a method of changing after everybody has left the scene.
7. Take Pictures
Use your mobile phone camera to take pictures of the accident scene and the damage that both cars have endured. Make sure to capture the photos from as many angles as possible. Make special note of skid marks or any other evidence of the other driver being at fault.
8. No Roadside Negotiations
Emotions can naturally run high right after an accident. However, you do not want to promise not to go for an insurance claim or agree not to involve the police.
9. Don’t Leave
Do not leave the scene of an accident without exchanging contact information with the other drivers. Wait for the police to arrive if they are on their way. Criminal charges can be brought against you if you leave too early.
10. Call Your Insurance Provider
Report all accidents to your car insurance carrier regardless of whether it was or was not your fault. The telephone number is recorded on your insurance card. Some insurance plans express that will pay more in the event that you do not report an accident right away.
Minor Accident Follow-Up
Your car insurance rates will not consequently go up in light of the fact that you were in a minor collision. Factors, for example, being at fault, and the worth of the harm will influence how your carrier handles the accident. In the days and weeks after your collision, take the accompanying methods to settle your claim.
- Contact the police or highway patrol office and acquire a duplicate of the accident report for your records.
- Whenever you have assessed your harms, document an insurance claim against the other driver.
- Each state expects drivers to carry accident coverage. Be that as it may, on the off chance that you are hit by an uninsured driver, you might need to record a little claims action.
- In the event that you carry uninsured or under-insured driver insurance, you might need to document a claim with your insurance carrier.
Regardless of whether there is no harm to any of the cars engaged with the minor car accident, it is still a smart thought to call your insurance carrier and let them realize what occurred. Thus, if the other driver’s story changes over the long run, you will have some proof supporting your record of occasions.
Talk to an Attorney About Your Auto Accident Claim
Taking care of even a minor collision can be tedious. Your life was occupied before the accident, and now you need to manage the insurance organization and timetable car fixes. An accomplished car accident lawyer can assist you with the truly difficult work engaged with preparing your claim.
What to do after a car accident that’s not your fault?
1. Call the police
You ought to call the police, regardless of whether the accident was a minor collision or a major accident. In the event that the accident was not your fault, having an official police report will help you consider the other driver responsible for harms and fixing costs. Try not to work out repayments with the other driver all alone, regardless of whether the other driver would not like to include the police of insurance organizations. It is a lot more secure for you to call the police, come clean with the officer about what occurred, and let them conclude who is to blame in the official report. The to blame driver will probably get a reference. Recording a police report will likewise help you handle an insurance claim. Your insurance organization will need a duplicate of the report, and having one will accelerate the claims cycle.
2. Collect Information
You will need to gather various pieces of information at the scene of the accident. This data will assist you as you through the insurance claim process. Before you leave the scene, make sure you have the following information:
- The make, model and color of the other driver’s car
- The names and contact information of passengers in the other driver’s car
- The names and contact information of witnesses to the accident
- The other driver’s car insurance company and policy information
- The other driver’s name and contact information
- The responding police officer’s name, contact information and badge number
Just address the other driver about the data that you are attempting to get (mentioned above). Try not to discuss the accident or who is to blame — leave those conversations for the police and your insurance organization. While you are hanging tight for the police, write down as much data as you can remember about the accident. Sketch a quick map to show the course every car was traveling and the area of the accident. Rundown the climate conditions at that point and some other conditions of the collision. Take pictures of the two cars to record damages.
3. Call an insurance company
The most secure bet is to immediately call your own car insurance organization after an accident. They can mention to you what sort of inclusion you have for personal injury, collisions, harms and medical costs. You may likewise have uninsured driver inclusion you can utilize if the other driver does not have insurance. Contingent upon the services you need, your insurance organization will pay for your repairs and medical bills, at that point work with the at-fault driver’s insurance to gather compensation. This is a tranquil answer for you, since everything is charged directly to your insurance organization, and you will not have to speak with the other driver’s insurance organization by any means.
At times, you are needed to call your own insurance organization after an accident to get payment assistance with injuries. Florida is one of 12 no-fault states, which implies you should utilize your very own personal injury protection coverage to pay for injuries. On the off chance that your wounds are more serious than what your insurance covers, you can directly sue the at-fault driver. In the event that you were not to blame in an accident, you additionally have the decision to document a claim with the other driver’s insurance organization, called a third-party claim. In an outsider claim, the other insurance organization will pay for your car repairs once it decides their driver was at fault. The other organization will likewise pay for medical costs, except if you live in a no-fault state.
4. Call a doctor
You should look for medical care after a car accident, regardless of whether you do not feel any pain or see any wounds. At the point when you are associated with a high-impact collision, your body delivers an enormous spike of adrenaline that can veil pain and different indications straight after an accident. It very well might be a few hours or even days before pain, symptoms and wounds show up. Delayed presentation is normal for car accident wounds like whiplash, concussions, spinal damage or soft tissue injuries. It is likewise important that you see a doctor and get tested for internal injuries and fractures. Serious internal injuries like bleeding and swelling can be hazardous on the off chance that they are not checked and treated right away. Try not to call your primary care physician (PCP) after a car accident, in light of the fact that numerous PCP’s do not have the training to identify, analyze and treat car accident wounds. All things being equal, consider a medical practice that has the training and experience to treat car accident wounds. An expert will precisely check your wounds and get you started on an effective treatment plan.
What to expect after a car accident?
The human body is not intended to deal with the huge amounts of force and physical impact it absorbs during a high-impact car accident. Regardless of how minor the accident, how safe the car and how firmly the safety belt was attached, you are probably going to encounter physical pain following a collision. Much of the time, car accidents lead to serious wounds that cause huge pain, weakness and long periods of healing time to make a full recuperation. There are numerous ways you might be harmed in an accident, including:
- Being hit by flying debris or loose objects
- Being jerked sideways against the windshield
- Being thrown against the dashboard of the car
- Being thrown forward and backward
- Being thrown out of the car
Determine what insurance coverage would apply
The most important question that people tend to ask is how would the insurance claims process be for them after a car accident. This is actually based on who was to be blamed, and on the kind of coverage you and the other driver have. Supposing that the other driver was at fault, here is how the inclusion would work.
You and your passengers’ expenses
- Your vehicle: The other driver’s property damage liability coverage will cover for your car fixes up to the policy’s limit.
- Your medical bills: These would be covered to the furthest limits of the other driver’s bodily injury liability inclusion, which is needed in many states. In the 12 no-fault states, your very own personal injury protection would become an integral factor.
On the off chance that the other driver did not have insurance, or needed more inclusion to take care of your bills, uninsured or under-insured motorist inclusions would pay out. Uninsured motorist inclusion is needed in 21 states and the District of Columbia, and a portion of those states likewise need under-insured driver inclusion.
The other driver’s expenses
- Their car: Collision coverage will cover any repairs up to the vehicle’s actual cash value, minus a deductible. Typically, this coverage is not mandatory, unless you are financing or leasing.
- Their own injuries: The medical payment’s coverage, or MedPay, part of their policy would work hand in hand with health insurance coverage.
Optional coverages that can help either driver
- Emergency roadside service: This is beneficial if you need a tow to the repair shop. Many organizations offer this advantage; however, it is often affordable to get emergency roadside service from your auto insurer. The con is that using it will count as a claim, and claims can cause your rates to go up.
- Rental car coverage: Rental car reimbursement inclusion pays for a rental while yours is in the shop.
Keep in mind that you will probably need collision and comprehensive coverage in order to add rental car reimbursement and emergency roadside service.
Filing a claim
On the off chance that an accident was your fault and the harm looks minor, it is tempting to offer to pay cash for the other driver’s fixes. Yet, it very well may be costlier than you might suspect. As per Consumer Reports, various test crashes at only 10 mph delivered damage that looked minor however estimated out at $3,000 to $6,000. You may in any case need to utilize your own insurance forthright, regardless of whether an accident was the other driver’s fault. Here is the manner by which it works:
- Record a claim with your insurance organization and be set up to pay a deductible. Your insurance provider will speak with the other driver’s insurance organization and discount your deductible if necessary.
- In the event that you live in a no-fault state, your own PIP inclusion pays for wounds to yourself and anybody in the car with you. (You would in any case reserve the option to sue for serious injuries later.)
- The other driver’s insurance organization will research whether its customer was to be blamed. From that point onward, possibly you will be approached to get a maintenance gauge or an agent will evaluate the damage.
- The organization may take care of medical costs except if you live in a no-fault state. Yet, in the two cases you will be repaid simply up to the to blame driver’s obligation limits.
- On the off chance that that is sufficiently not to take care of the relative multitude of bills, you could go to your own collision inclusion, in the event that you have it, or your own under-insured driver inclusion, which is not needed in each state. Deductibles probably apply for both
Your car insurance rates could go up altogether (50% or more, at times) contingent upon the seriousness of the accident and your insurance organization. While some insurance organizations offer accident absolution, which implies your at-fault accident may not outcome in higher expenses, different organizations may double your rate for a similar accident. Truth be told, a Consumer Federation of America report showed a few organizations will even raise rates 10% or more for accidents that were not your fault. However, different policies possibly demand a cost increment in case you are to be blamed. Indeed, even the measure of time an accident influences your rates shifts from state to state and from company to company. Simply enduring a car accident can feel like a triumph. Yet, do not allow your post-crash shock divert you from getting it done, both at the accident scene and in managing insurance issues. This is the reason it is crucial to compare car insurance rates to track down the best cost (and strategy) for you.