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What to do in case of an accident
Most drivers make
costly, long-term decision errors immediately following an accident
as fear gives way to anger and frustration. Questions race through
your head faster than the mind can register them. Who was at
fault? Will my car ever be right again? What are my rights and
responsibilities? A calm and informed reaction to an accident
will reduce your chances for additional grief and expense.
- Move your vehicle to a safe
place, then stop and identify yourself to the other driver.
(Some state or local statutes may require the vehicle be left
as is.) If it can't be moved, turn on the hazard lights. Seek
medical help if you or other parties require it, and notify
the police. Tell them who you are, where you are, and about
any obvious or claimed injuries.
- Exchange information with the
other driver(s) including driver's license numbers. Get the
driver's name, address,telephone numbers and name of insurance
company. Also, list any passengers and witnesses.
- Get names and badge numbers
of any police officers who arrive at the scene. If there are
injuries or extensive damage, the police should file a report.
Ask to get a copy.
- Avoid any extensive discussions
at the scene about who is responsible for damage. If the other
person admits responsibility, offers a money settlement and
you accept, any future claim against the driver may be compromised.
You or the other party may later find damage and bodily injury
not apparent at first.
- Write a complete description
of the accident as soon as possible Include weather conditions,
estimated speeds, and as much precise information as you can
observe. Take photographs if a camera is available.
- Have the vehicle towed or driven
to a collision repair facility of your choice.
- Notify your insurance company
of the accident as soon as possible.
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