At some point in their life, it is a likelihood that all car drivers will suffer an auto accident. In fact, it’s estimated that each driver makes a claim for a collision once every 17.9 years. That means most drivers are likely to get involved in at least two crashes through their driving life. Not all of these crashes involve injury, but what if they do? What do you do next? Auto injuries can prove a huge distraction and take you out of your life for a while. So here’s how to best protect yourself and prepare for what to do in the event of a crash.
Auto insurance is, of course, a necessity for anyone to drive legally. But how do you make sure that your insurance is the right one for you? How well is it likely to cover you before and after your crash? More importantly, how painless is the process of a claim? A lot of insurance buyers look purely at the price. This means they don’t consider how timely and how thorough the company in actually returning the claim. Make sure you have the right kind of insurance and shop around for the most competitive packages on offer.
At the scene
If you find yourself at the scene of a crash, the first thing to do is report it. Not only is this common sense in case someone is injured, but it’s an important legal step. You can be fined or even jail time for avoiding to report an accident, regardless of who the injured party is. Then make sure you get and share all the insurance details you need. License numbers, addresses, phone numbers and the like. If you’re considering further steps, try take as many details about the crash as possible. Any witness contact details could help your case too.
Seek medical attention
If you’re visibly injured, it’s obvious you’ll seek medical attention. However, you should check yourself out for the prospect of any long term damage you may not notice yet. Again, for legal steps, try and take as much documentation of medical visits and costs as possible as described by cdt.org. This is important in proving disruption and cost to your life.
If you’re considering taking it to the claim stage, it’s important that you get in contact with a legal service as soon as possible. It’s recommended considering those specialised in personal injuries like fisherstark.com if you’re suffering any. This is where the evidence compiling comes into play. Following all the steps above should make it all the easier to prove that you are the aggrieved party. Even if you’re in a no-fault state, personal injury could make your claim eligible.
Mistakes to avoid
If you’re planning to pursue a claim, there are some very important mistakes you should keep in your mind to avoid. Even if you’re only being polite and conscientious, avoid admitting any guilt. Don’t negotiate with the other driver or share any more details than the legally necessary ones. Moreover, don’t try and leave the scene until emergency services settle it.