The 10 Things You Should Do After Being Involved In a Car Accident

As the saying goes, “Accidents will happen.” Everyday drivers are involved in a number of driving mishaps from small fender benders to more serious collisions. The minutes spent after an accident can be very stressful and wrought with confusion. So let’s take a look at what you need to do if you are in an accident.

1. After an accident has occurred, the first and foremost thing on your mind should be to determine the extent of anyone’s injuries. If someone is unconscious or obviously suffering in any way, immediately seek medical attention.
2. With that done, begin to assess the damage of your vehicle and anyone else who was involved in the accident. It is a good idea for you to keep a disposable camera in your car. This way you can take pictures of the vehicle damage and the accident site. Make sure you take a picture of each license plate involved in the accident.
3. Get the insurance information and vehicle identification number for all parties involved. If any of the parties are reluctant to hand over that information, then immediately contact the police.
4. Try to remain calm. Most people will be emotionally shaken after an accident. It is important to keep your composure during this time. Contact the police immediately if you fear someone’s emotions may turn violent.
5. Carry a pen and paper. Write down everything you think has happened to the best of your ability. If you cannot take pictures of the accident, write down as much as you can about the type and condition of the other vehicles involved.
6. With the exception of the police and your insurance agent, do not get into a discussion with anyone about the accident.
7. Never accuse or admit to any fault or liability. Let the authorities handle the issue. If you are in a situation where you feel there may be a criminal investigation against you, then request a lawyer. It may sound cliché, but it is very important to protect your right to due process under these circumstances.
8. If there were any witnesses that can help explain what happened, get their names and phone numbers. If the police have been contacted, then ask if they would be willing to stay and explain to the police what happened.
9. Contact your insurance company. If possible, do this while you are still at the accident. Insurance professionals are trained to ask questions you might have never even thought to ask. You should have all the information you need if you followed our previous eight steps.
10. After all of the issues above are settled, now is the time to take a financially pragmatic approach to your situation. Find and review your policy information to see how the accident could hurt your premiums. If they are going to change because of the accident, then it is in your best interest to go back online and get some free insurance quotes.

Remember reviewing free insurance quotes online makes good fiscal sense.

June 02, 2010, Posted by Rainy Day Mitch