Car accidents happen when we least expect them, and unfortunately, not everyone takes responsibility for their actions. At our shop, we’ve recently seen several clients struggle with getting coverage because they didn’t secure the right information at the scene. Worse, some are even being blamed for accidents that weren’t their fault.
To protect yourself, it’s crucial to be proactive. Here are 10 essential steps to take if you’re ever involved in a car accident.
Prioritize Safety First
Before anything else, make sure you and everyone involved are safe. If the accident is minor and there are no serious injuries, move to a safe location to avoid further danger.
Secure Witnesses
Eyewitness accounts can be crucial in proving what happened. If there are bystanders, ask for their contact information in case you need their statements later.
Take Photos Before Moving the Vehicles
If it’s safe to do so, take pictures of the accident scene before moving the vehicles. This will provide evidence of how the accident occurred.
Document the Damage
Photograph all visible damage to your vehicle and the other car(s) involved. Take close-up and wide-angle shots for clarity.
Identify Who Was in the Other Car
Make a note of everyone present in the other vehicle at the time of the accident. This can help in case of disputes or unexpected claims.
Collect the Other Driver’s Information
Get the following details from the other driver:
- Driver’s License
Take a clear photo of their ID. - Insurance Information
Ensure you get their policy details. - Passenger Information
If possible, document who was with them.
Call the police immediately if the other driver does not have a license or insurance.
Be Cautious with Tow Trucks
Do not allow anyone you don’t know to tow your car. Your insurance provider can usually arrange a tow, or you can let the police call a reputable service.
Seek Legal Help if Injuries Are Involved
If you or anyone else was injured in the accident, consult an attorney before dealing with insurance claims or settlements.
Try to Get a Signed Statement from the Other Driver
If the other driver admits fault, ask them to provide a written and signed statement. This can be valuable evidence later.
Protect Yourself with the Right Insurance Coverage
If you only have liability insurance, consider adding uninsured motorist coverage for property damage and medical expenses. This extra protection can save you from significant financial loss if the other driver is uninsured.
Final Reminder: Stay Safe Above All Else
While gathering this information is important, never put yourself in danger to do so. Your safety should always come first.
Being prepared and proactive can make all the difference in protecting yourself after an accident. If you ever need assistance, feel free to reach out to us—we’re here to help!
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I KNOW THIS INFORMATION CAN BE USEFUL IN PROTECTING YOURSELF.