No one wants to get into a car crash. Unfortunately, they are becoming more common. If you find yourself in a car accident, knowing what to do can save you time and money.
Driving safely doesn’t prevent accidents. When you’re on the road, you have to watch out for yourself and other drivers. It’s scary when you think about it.
Hopefully, you’ll never have to experience an accident on the road. If you do, here are five steps to take following a car crash.
1. Assess the Damage and Get Witnesses to the Car Crash
If you’re able, make sure everyone is okay. Next, assess the damage to your vehicle and take pictures of all vehicles and the accident scene. Look for witnesses of the car accident.
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Write down their names and contact information, as well as any statements. The police will need to be called. Take notes, so you’re clear about what happened when you give your statement.
Exchange insurance information with the other parties.
2. Seek Medical Attention If Needed
You might sustain injuries in a serious car crash. If so, you could get transported to the hospital via ambulance. In this instance, you may not have the opportunity to do the steps we’ve covered.
Aside from serious injuries, you should still seek medical treatment. Sometimes signs of injuries don’t surface until hours later. It’s best to have a record of having seen a doctor for precautionary reasons.
Your insurance provider will ask if you sought medical care and if you sustained injuries. Saying no and later stating you were injured could negatively impact your claim.
When you seek a future auto insurance quote, details regarding past car accidents will impact your rate.
3. File a Claim With Your Insurance Company
In minor collisions, it’s common for parties to settle without contacting their insurance companies. There are also instances where the other party will offer to pay for the damage to your vehicle.
If the other party accepts blame, you can file a claim directly with their insurance provider. You still might need to notify your insurance carrier.
4. Contact an Accident Attorney
A car crash involving injuries can become complicated. Contact a personal injury attorney as soon as possible. The attorney will be able to assist you in getting your medical bills covered.
Plus, you’re entitled to pain and suffering, as well as lost wages and other relevant expenses.
5. Get Your Vehicle Repaired
Auto insurance is there to cover the repair or replacement of your vehicle following a car accident. Depending on the damage, your car could get totaled, and you’ll get reimbursed for the Blue Book value.
Have a Plan Before an Accident Occurs
A car crash is on no one’s schedule. However, accidents do happen. When you’re involved in one, it’s best to know what to do next. Hopefully, these five steps will help you prepare for a just-in-case moment.
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