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Sometime or the other every car owner gets involved in a car accident, whether minor or major. Even if you are a careful and good driver, you may get involved in an Accident due to the fault of another driver. These accidents happen when you least expect them and people are usually unable to think clearly immediately after an accident. However, this is the time when you need to keep your wits about you and think properly, especially if you are planning to Claim insurance.
Why you should report the accident
You need to know the proper steps that you should take from reporting the accident right up to dealing with the insurance companies if you have car insurance. If you are aware of what you need to do, you will be able to get back on the road easily and soon. If you are involved in an accident that was caused due to someone else’s mistake, you should immediately report it to your insurance company so that they can claim damages from the other person’s motor car insurance company. If the accident was due to someone else’s fault, then your Premium rates will not be affected.
You should try and pull over your car to the side of the road to avoid the oncoming traffic. You should also turn on the Hazard lights and if possible set up cones so that others driving on the road can see your vehicle.
Check yourself and your passengers to see if there are any injuries immediately after the accident. If anyone is injured, you should call an ambulance right away. Ideally, you should have a first aid kit in your car to help you in case of a car accident.
You should definitely call the police and report the accident. While you are waiting for the police to arrive, you can talk to the other driver and exchange information. You can find witnesses and take down details of the accident. Stay at the scene of the accident till the police have taken your statement, and note down the name of the police officer who made the report.
Be sure to get the name, address, license plate number, phone number, vehicle identification number, driver’s license number, insurance company name and Policy number of the other driver. Also try to record the model and make of the other car. This will help you in making a car insurance claim.
Immediately after an accident it is important not to admit fault or discuss the details of the accident with the other driver. This information should only be discussed with the police and the insurance company. Your insurance company will use information collected from all parties to ascertain the cause of the accident.
If possible get the name and contact details of witnesses on the scene. The police will take statements from them to help them get an idea of what happened.
Be sure to take notes of the detail of the accident like time of the day, because it may be difficult to remember such details later. Also, if possible, take pictures of the accident scene. Take pictures of the license plates of the vehicles involved.
The final thing you need to do is contact your insurance company, regardless of the fact that the damage was minor or severe. If the damage is less, you can even decide to pay for repairs yourself so that your car insurance policy rates don’t get affected. However, you should still contact your insurance company and give them an account of the accident. This is especially necessary if the other party is dishonest.
You can also opt for car insurance online facilities to make an insurance claim.