At the Scene of an Accident:
Ensure Safety: Check for injuries and move to a safe location.
Call Emergency Services: Dial emergency services (911) and report the accident.
Exchange Information: Share contact, insurance, and vehicle details with the other involved parties.
Document the Scene: Take photos/videos of the accident, including vehicle damage and surroundings.
Seek Witness Details: Get contact information from witnesses, if any, for future reference.
Avoid Admitting Fault: Stay calm, avoid discussing fault, and stick to factual details.
Report to Authorities: Cooperate with the police and provide accurate information. Don’t let the person who ran into you, convince you that you can handle it without the Police. You need the Police to respond.
After the Accident:
Seek Medical Attention: Get a medical check-up, even if you feel fine, to ensure no hidden injuries. Follow your doctor’s orders on additional treatment.
Notify Your Insurance Company: Report the accident to your insurance provider immediately.
Do Not Talk to the Other side’s Insurance Company: If you are injured, it is illegal for the other sides’ insurance company to get a statement from you until 15 days after the accident.
Keep Records: Document details about the accident, police reports, medical bills, and communications with insurers.
Avoid Public Discussion: Refrain from discussing the accident on social media or with third parties.
Consult an Attorney: Consider seeking legal advice, especially if unsure about rights or handling insurance claims.
With Your Claim for Financial Compensation:
File Insurance Claim: Promptly submit all required documents and information to your insurance company.
Follow-Up on Documentation: Organize and keep copies of all records related to the accident and your injuries.
Be Mindful of Deadlines: Know the time limits for filing claims or legal actions; adhere to these deadlines.
Cooperate ONLY with your insurance Adjuster: Provide necessary information to your car insurance adjusters but avoid admitting fault or speculation.
Do Not Talk to the Other Side’s Insurance Adjuster: The insurance adjuster for the person who injured you has a duty to protect their insured…the person who injured you. Do not talk to them or send them any information including your medical bills.
Consider Legal Representation: If negotiations become complex or insurance offers are insufficient, consult with an auto accident attorney.
Review Settlement Offers Carefully: Assess any settlement offers critically; ensure they cover all damages and future expenses.
Proceed with Legal Action if Necessary: If negotiations fail to yield fair compensation, consider legal action through a lawsuit.
Remember, being organized, documenting details, and seeking appropriate medical and legal assistance are vital steps toward ensuring a smooth process after a car accident. If you have been in a car accident and are seeking help, contact our team of professionals at Harding & Associates today.