How to Deal With a Minor Car Accident – All You Need To Know
Every year in the United States there are over six million car accidents. Luckily, most of them require just property damage-in comparison to passengers. However, one out of every three accidents involves a personally injured driver or passenger and two out of every ten accidents are fatal.
There are certain measures you can do to defend yourself and your rights if you are involved in a car accident. Conyer’s car accident injury treatment doctors in collaboration with the legal specialists have educated their daily clients on how to react after meeting a car accident.
Here are a few standard rules on how to react after a car accident and what you need to do in that scenario.
1- Always Stop and Check
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You are always obligated to stop if you are involved in an accident. Even if you think there is no damage and injury you still need to stop your car.
2- Don’t Admit the Mistake
Never accept the accident responsibility. Your insurance policy is a deal, so your compensation plan with your car insurance company specifies that under certain conditions you cannot claim responsibility or liabilities. When you want your application to be resolved by the insurance company, let them talk.
If the other party decides to argue with you, only inform them that the legal authorities will deal with them via a lawful process.
3- Pre-prepare Yourself
There are many ways to avoid a car crash, but once you have encountered one you must be aware of what to do and which questions the other party involved may have to answer to make your insurance claim. In your free time, make a list of all the valid points that you can ask the insurance and the other party that has been involved in an accident. Don’t forget to keep a backup on your phone or notepad.
4- Contact the Police
Whether at fault or not, contact the police immediately. The police will come to ensure that everything is met. First, see if anyone needs medical attention immediately. Anyone who needs medical attention needs to be taken to the doctor immediately. Conyer’s car accident injury treatment doctors have put severe emphasis on seeking medical attention at your utmost convenience. If not, try not to push the vehicles until they cause a major traffic problem. Check for the police before anything is relocated.
A police report can be used to file a claim with your insurance company, even if only to repay the car for losses. Unless they interfere with transport, the vehicles involved in the accident should not be moved.
5- Record Everything
When the police arrive, make sure you say exactly what happened to the investigating officer(s) in the best way you can. Tell the officer if you do not know any details. Do not guess, conjecture, or misrepresent the facts. If you are questioned if you have been wounded and not confident, claim, rather than no, that you are not aware. Often hours after a collision the pain and injuries resulting from car injuries become apparent. They should also ensure that other parties involved in the accident consider their claims to be correct and also something that should be considered.
6- Take Picture and Video Evidence
You should take a picture in the car if there is visible damage when you have a camera in your vehicle or a cell phone that has a camera. You should also photograph them if you have visible injuries. However, the ongoing police investigation should by no means be interfered with. If you cannot take photos of the accident scene, take them after the incident as soon as possible.
These images can help you in claiming for insurance as proof that your car has actually been damaged in an unwanted accident. This will help you as a proof with the legal authorities as well.
7- Limited Conversation with Other Party
It is necessary not to admit any fault or responsibility and to minimize the explanation of the incident with the other party that has been involved in a car accident. Most of them would try to put the blame on your end but you must let the legal authorities deal with everything so that they can get the most out of compensation.
8- Take All the Information
Such detail is normally gathered by the investigative police officer. If the police do not respond to the incident, the identities, addresses and phone numbers of all the individuals, drivers, and passengers involved in the accident should be collected. Data on policies should also be received by requiring that the insurance card be issued for every vehicle involved. If there are witnesses, you will receive information from them to reach them in the future, either by your counsel or otherwise.
9- Report the Incident
As quick as possible, contact the insurance company. Most measures ask for timely monitoring and full cooperation. Find out if your insurance coverage includes medical benefits. For this kind of coverage-called “med-pay”-you pay extra. Basically, you will apply your incident medical bills to your insurance company if you are compensated by a compensation payout. Coverage for medical bills relating to med-pay is primary.
Upon completion of the Med-pay benefit, your primary insurer is private health insurance. Both car passengers are equipped with med pay coverage. As a result of submitting claims, your insurance rates should not increase.
10- Seek Medical Attention
After you have dealt with all the legal matters at hand, it is important that you seek medical attention immediately. Visit your injury doctors to confirm if there is a possibility of any injury or whether you are safe.
No one wants to suffer from a car accident. But in case of any injury and accident, it is important that you know how to react in terms of an accident. Contact the police as soon as possible and make sure that you exchange information with the other parties.
Medical attention is also extremely important in this regard and once the incident is dealt with by the police even if there is nothing visible.