Auto collisions are an unwelcome fact of life. In 2015, there were 140,056 auto collisions reported that involved personal injuries. Being involved in an auto collision is a scary experience no matter how long you have been driving. Even a minor auto accident has the potential to be a major headache in terms of stress and expense if it is not handled properly. If you are able to keep the following guidance in mind, you will be well-situated to handle the aftermath of an auto collision if you find yourself in this unfortunate situation.
Do Not Walk Away from an Accident
Even if you make a minor mistake in tapping an empty vehicle, do not simply walk away from the accident. You could be charged with a violation of the Road Traffic Act. Try to contact the driver of the vehicle that you have hit. If anyone is injured, call 999 or 101 immediately.
Gather all Relevant Contact Details
Do not leave the scene of an auto accident without collecting all of the relevant contact information of any other drivers involved. In addition, be sure to get the names and phone numbers of any witnesses to the accident.
If any other drivers in the accident are unwilling to share their auto insurance details with you, it is best to call 999 right away. In the meantime, write down all of the facts that you can about his or her car as well as license information that you can find out.
Take Notes About the Accident
While the memory of the accident is fresh in your mind, jot down notes about the exact location of the cars involved in the collision and the precise time of the accident. The more accurate you can be, the more difficult it will be to refute your version of the accident if there is any dispute with the other drivers involved or the associated insurance companies.
Provide Notice of the Accident to Your Auto Insurance Company
Do not delay in alerting your auto insurance company about the accident. If you want to long to inform your auto insurance provider, you may be without any recourse to pursue a claim. There are provisions in each auto insurance policy that set out guidelines for notification periods of any insurance claim. Claims reported outside those periods may not be accepted by the auto insurance company.
When you report the accident to your auto insurance company, it is best if you can be as specific as possible with the details of the accident. You do not want to admit fault for the accident necessarily, but you do need to be as truthful and accurate as possible in your account of the collision. Any misrepresentation to the auto insurance company could give them grounds to deny your claim. They could also use this as a reason to eventually drop your coverage.
Be sure to keep copies of all notices and communications that you receive from the auto insurance company related to your claim. These could come in handy down the line if there is a discrepancy with your settlement or any issues about the determination of which driver was responsible for the auto collision.
Wrap Up on the Most Important Things to Remember After an Auto Accident
Even though being caught up in a car accident can be frightening, keeping a calm focus on what you need to do after the accident can make all the difference in resolving any claims and moving forward as quickly as possible. Be sure that you do not leave the scene of the accident until you are satisfied that have collected all of the necessary information regarding the details of the accident, such as the insurance information and contact numbers of all of the other drivers involved. It is important to report the accident as soon as possible to your auto insurance company so that you are not precluded from recovering for any claim. As long as you are truthful and as detailed as possible in your account to the insurance provider, you are well on your way to putting the accident behind you.