Involved in a Car Collision? This is What You Have to Do

November 25, 2016 · Posted in General Articles on Car Insurance 
by Amy Nutt

If you drive frequently, then you know that accidents are a common occurrence on the highways, within the city, when travelling and during the course of your daily commuting. Accidents are a dime a dozen and can be fatal, mild or severe. Whatever the case, if you get involved in a collision, here’s what you should do:

1. Check the State of People Involved

The very first thing to do is check if no one is hurt. This will determine what your next step will be. If someone is hurt, call the police immediately. It is a crime to hit and run or leave someone injured in an accident to his fate. If the accident is fatal and you can move, try what you can to keep anyone alive. In cases of fire, see if you can extricate any of the individuals. If you can, bring them out gently and move them far away from the inferno. Then check to see if they are alive. Lay them down in a position where they are facing upwards and see if they can talk. If they can, ask them simple questions to see if they can still recall things. If the police hasn’t arrived by this time, try to keep them alive. If anyone is bleeding try to tie a tourniquet around the bleeding part. If it is in the limbs, try tying it at the upper part so that the individual will not lose too much blood.

2. File an accident report within 10 days.

This will ensure that you do not get your license suspended. For accidents whose damage assessment is less than a thousand dollars, you should exchange details such as driver’s license numbers, phone numbers et.c. In cases where a domestic animal is hit, you should do all in your best to contact the owner.

3. Contact your car insurance company

There is a reason it is generally advised that all car owners obtain some form of auto insurance and it is that in cases of theft and collision, the insurance company can pay after you make your claims. If the claims are justifiable and proved true, then you will get your benefits. While the insurance may not be able to pay you everything, they can reimburse you to the tune of eight, sometimes ninety percent. That’s at least better than having to scrape up the money for a new car if the car is totalled or pay for the repairs of a slightly damaged car. Therefore, as soon as you can, get in touch with your insurance company and file a claim. This should be attended to before long.

4. What’s Your Status?

This simply means “who was responsible for the collision?”. What were you doing before the accident? If you were drinking and driving or making out, then it might interests you to know that no insurance company is going to be responsible for your excesses. So, be careful particularly when you are filing your claims.

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