What To Do If Your In An Auto Accident

ID-10076578Your fault not your fault, accidents happen. As much as we prepare, getting auto insurance, wearing our seat belt, taking a defensive driving course, we also need to be prepared for what to do on the scene when an accident happens to you.

Immediately stop your vehicle or do not move it from the place it has stopped.

As hard as it may be at this time, keep calm. The leg work you do at the scene will help you later in case of any disputes.

Check yourself and your passengers for injuries and if so call 911

Check the other vehicle for injuries to report them as well if they have not called.

Call the police and report the accident right away ( most auto insurance policies require notification of police within a specified time period if the accident is a hit and run)

Get names, addresses, telephone numbers, and driver’s license numbers from all drivers as well as license plate(s) and vehicle identification numbers.

Ask to see driver’s license(s) and vehicle registration(s) to verify that the information is accurate.

Get names, addresses, and telephone numbers of other passengers and any witnesses.

If you have a camera or a camera on your cell phone, use it. Take different angles of the accident with all the cars involved, damage to your vehicle, the accident scene for traffic lights, signs,etc.

If the owner of a damaged car or damaged property cannot be located, leave a note with the names and addresses of the driver and owners of the involved cars.

• If anyone is injured or the vehicle damage exceeds $750.00, you must report the accident to the Department of Motor Vehicles within 10 days.

Failure to notify the DMV may result in the suspension of your driver’s license.

Notify your agent and/or your insurance company right away.

You should also be aware of things NOT TO DO

Do Not – Argue with other drivers and passengers. Tell your story to the police and your insurance company.

Do Not – Sign statements regarding fault or promises to pay for damage.

Do Not – Sign anything releasing the other party from further responsibility. Example: If another party offers to pay your deductible.

By releasing the other party, you jeopardize your insurance company’s right, which may lead to the company may refusing to pay for damage to your car.

Photo Courtesy of Naypong at FreeDigitalPhotos.net

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