These ten tips will help to ensure that if you are unfortunate enough to be in a vehicle collision that you deal with the situation as quickly and as efficiently as possible. These can help you avoid many difficulties with legalities and insurance down the road, so be sure to follow as many as you possibly can, depending of course on the specifics of your situation.
- This is a pre-accident tip. ALWAYS keep your registration and insurance information in the glove box so that you have a copy at the scene of the accident. This is essential.
- Check for injuries immediately following the accident. Insurance can always be sorted out later, and human safety always needs to be the number one priority.
- Turn the hazard lights on in all involved vehicles to prevent further accidents.
- If the accident is only a minor fender bender, after injuries are cleared, move the vehicles to a safe location so as to not cause any further traffic accidents.
- Call the police. The authorities always need to be notified in the event of any traffic accident, even a minor one.
- Swap all essential information with the driver of the other vehicle. This includes names, addresses, driver’s license and insurance information.
- Do not try to assess blame or fault. Leave that to your insurers and the police.
- Report the accident to your insurance company. It doesn't matter if the accident is larger or small, it will be in your best interests to directly report the accident to your insurance company as soon as you can with all of the details of the collision.
- If possible, take a picture of the accident scene.
- Try to not be the first person to leave the scene of the accident.
References:
http://www.statefarm.com/insurance/claim_center/auto/ins_claims_auto_afteraccident.asp
http://articles.moneycentral.msn.com/Insurance/InsureYourCar/WhatToDoAfterACarAccident.aspx
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