When you’re injured or one of your passengers has been hurt you won’t be thinking clearly; it’s at a time like this when your insurance policy can be your best friend and companion.
One of the things that you can do ahead of time is place an organised list in your glove box to remove when and if you’re in an accident. This will help you find the best possible solution to your problems and can work to help you maintain your composure until qualified help arrives on the scene. Let’s look at the steps to cover when a mishap comes your way.
• You should stop your car immediately so that you can determine what physical condition both you and your passengers are in. Remember that it’s an offence if you don’t stop so you must bring your vehicle to a complete stop. Be very careful when you exit the car not to move into oncoming traffic or cars that are out of control trying to see what has happened.
• Turn off your car, turn the hazard lights on, and call for help immediately.
• Remain calm. Crying, screaming, or engaging in panicky behaviour will not help the situation whatsoever. Simply sit and wait for help to arrive.
• Never say that it was your fault. You should never take the blame for an accident or accept liability until after you have spoken to your insurance representative. You should turn in the appropriate documentation to him, and wait for him and the authorities to investigate the accident.
• Be sure to call the police yourself or instruct someone to do it for you. You’ll want to let them know if someone has left the scene before they arrived and other details that you and your insurance specialist feel are important. If there is little damage to your car, be sure to report the accident within twenty-four hours so that you can submit a claim to your insurance company; you must have an accident case number from the police to make a claim. Since this is an important part of filing a claim you may want to highlight this part of your list.
• To keep in compliance with the law you should exchange information with the other parties who are involved in the accident. You’ll need their name, address, telephone numbers, and the details of their insurance cover as well. You should give your information to them so that they have a copy for their records. You’ll want to note any observations that you made right before the accident such as cell phone usage or erratic behaviour by a driver who may have been intoxicated.
Always carry your car insurance information in your glove box so that you can immediately call your insurance agent in the event of an accident – they can offer you guidance and a calm approach to a chaotic situation.