What should you do if you're in a car accident? When it happens, injuries may be severe and emotions may run high. However, there are important things to do at the scene of the accident and soon after the accident takes place. Below is a list of actions to take after an accident, if they are possible. Keep this information handy by printing this helpful pamphlet on first steps after an auto accident and storing it in your car.
1. Stay at the Scene
Never leave the accident scene until it's appropriate to do so. If you leave, particularly when someone has sustained injuries or was killed, you can face serious criminal penalties for being a hit-and-run driver.
2. Check on All Drivers and Passengers
Before assessing property damage, make sure everyone involved in the accident is okay. Get medical attention for anyone who needs it. If a person is unconscious or has neck or back pain, don't move them until qualified medical help arrives unless a hazard requires moving the person.
3. Call the Police
If there's significant property damage, physical injury, or death, you need to call the police and/or emergency medical services (EMS). Ask that a police report be filed in situations where cops do arrive at the scene. Obtain the name and badge numbers of the responding officers.
4. Exchange Information
Get the names, numbers, addresses, drivers' license numbers, license plate numbers, and basic insurance information from all drivers involved. If there are passengers, also obtain their names, numbers, and addresses. In talking to other drivers, try to be cordial and cooperative.
However, you shouldn't apologize for anything at the scene. For example, don't say, "I'm so sorry I ran that red light! Is everyone okay?" By saying that, you may be admitting legal liability for what happened. Immediately after an accident, it might not be clear who was at fault or primarily at fault. Moreover, in many states, fault isn't determinative of which insurer will pay for any loss. Therefore, try not to admit guilt unintentionally or unnecessarily.
5. Talk to Witnesses
Ask every witness what they saw. Get their names, numbers, or addresses, if it is possible to do so. Ask locals if they've ever witnessed other accidents in the same place.
6. Inform Your Insurance Company
Promptly tell your insurance company you've been in an accident. Cooperate with them, tell them the truth about what happened, and the extent of your injuries. Explain the facts clearly. If the insurance company finds out that you've lied to them about anything you can get into serious trouble, including possible denial of coverage for the accident. Obtain and review any police report filed so you can point out who broke what traffic laws, or who was at fault.
7. Keep Track of Your Medical Treatment
Note any doctors, physical therapists, chiropractors, or other medical professionals that you receive treatment from, and each medical provider that referred you to other caregivers. Keep a detailed account of the treatments and/or medications you receive. Also, request copies of all medical reports and bills as these can help you prove your medical expenses later.
Medical expenses are relatively easy to document, but pain and suffering is trickier to prove. Keep a record of how your injuries have impacted your daily life. Include any missed workdays, list any routine activities you can't undertake, and describe how the injuries have affected your family life.
8. Take Pictures
Take photographs of any damage to your vehicle as soon as possible after the accident. Photos help your insurance adjuster determine how much you should be compensated for the damage to your car and can also help in court. Pictures of your car taken before the accident can offer a great "compare and contrast" to show the true extent of damage sustained in the accident.
9. Get a Property Damage Valuation
Obtain your insurance company's damage valuation. If you aren't satisfied with how your insurance company has valued your vehicle, don't give up. Get two independent repair estimates or replacement quotes. Assertively inform the adjuster of your concerns. If you can't agree on your car's value, consider mediation or consult an attorney.
10. Use Caution in Discussing the Incident
Don't talk about the accident to anyone other than your lawyer, your insurance company, and the police. Don't talk to a representative from another insurance company without the knowledge of your attorney or insurer. If called by the other insurance company, be polite but ask them to call your attorney or insurer to arrange an interview. Also, tell your lawyer or insurer about the call. It is in your best interest to speak with an attorney or have your attorney present if you are asked by the insurance company to give a recorded statement regarding the claim and/or accident.
11. Be Wary of Early Settlement Offers
Be careful if you're offered a settlement from an insurance company. Confirm all your physical injuries have been treated. Some injuries don't show up or reach their greatest level of discomfort until many days, weeks, or months later. Don't settle a claim until you know you'll be compensated for all your injuries. Consult an attorney before signing any settlement documents.
12. Consider Hiring an Attorney
If anyone was injured in the accident, it's best to consult an experienced attorney. An attorney can help you maximize your recovery if you're injured or better defend yourself if you're at fault. Many accident attorneys work on a contingency fee basis, which means that your lawyer only receives a fee if you're awarded damages or receive a settlement. Contact an experienced injury attorney today and learn more.