What to Do When You Meet a Car Accident?

An accident is an untoward incident which cannot be designed. While many of us would like to stay safe all the time, it is also best to be prepared for the worst. In this way, you will know exactly what to do without panicking and also lessen the trauma in the event you encounter a car accident. Common sense and alertness prove vital in times of emergencies. Here is a comprehensive guide to give you an insight into the various possibilities when you meet a car accident:

 

Save Your Life

The first basic step you should do is to check for injuries. A collision often causes injuries in the head, arms and legs involving the driver and passengers, notably if the impact is strong. Find out right away if you and the people riding with you are hurt, and then call 108 to get an ambulance to the nearest hospital. Keep your passengers calm while waiting.

 

Get Off the Road

After a crash, it’s important to get to safety as quickly as possible. The next thing you need to do is to move your vehicle to the roadside to prevent traffic jam in the area. But if your car and the other vehicle involved are not causing any traffic jam, it would be best to leave them as it is so that law enforcers and insurance surveyor will have a better view of the situation.

 

First Information Report

If the damage is big, intimate Police or dial PCR No:100 to provide your statement to the police as accurately as possible. Keep in mind that whatever you say will also be useful in filing your claims with the insurance firm. The police can also use them when making their spot report. Spot photos will also prove useful.

 

Intimate Your Insurer

Report the accident to your car insurance company immediately. Also intimate if there is any third party or third party property damage due to accident. The insurance company will look into your policy details to know the extent of its coverage, and in case of comprehensive insurance, will depute a surveyor to inspect the loss.

 

Survey of Your Damaged Car

The adjuster/surveyor will physically visit the accident site, talk to witnesses or refer to the police complaint if any. Usually, many insurance companies have their own in-house surveyors for claims below Rs. 50, 000 to assess the damage and decide on the claim amount. On survey, fill up the claim form and show your original vehicular documents for verification.

 

Settlement Offer

Collaborate with your insurer. Following an accident, the potential stress of a lengthy negotiation process with the insurance company can be daunting. However, it's worth noting that the insurance company often takes the first step by offering a settlement for your claim. This thoughtful approach ensures that the damage is thoroughly assessed, ultimately leading to a fair and harmonious settlement.

 

A Word of Caution

Whatever the course of action you decide for settlement, remember that it should be based only on facts and made at the right time. If you sit on your claim for too long, there is every possibility that you might lose the right to sue in court to get the indemnity.

 

FAQs

1. What should I do immediately after a car accident?

The first step is to check for injuries and call emergency services if needed. Move your vehicle to safety if possible, and then report the accident to the police and your car insurance company.

 

2. What information should I gather at the accident scene?

Collect information from all parties involved, including names, contact details, and insurance information. Take photos of the accident scene, vehicle damage, and any injuries.

 

3. How do I report the accident to my insurance company?

Contact your car insurance company immediately after the accident, providing all necessary details and documentation. Be prepared to answer questions about the accident and cooperate with the insurance company's investigation.

 

4. What should I do if the insurance company offers a settlement?

Review the settlement offer carefully and consider seeking legal advice if needed. Ensure that the offer comprehensively covers the extent of your damages and losses before accepting it.

 

5. What if I need to file a claim against the other party involved in the accident?

If necessary, consult with legal counsel to understand your options for pursuing a claim against the other party involved in the accident. Keep in mind that there are time limits for taking legal action, so prompt action is crucial.

 

6. How can I ensure a fair settlement from the insurance company?

Provide thorough and accurate documentation of the damages, injuries, and losses incurred in the accident. If necessary, consider engaging a professional, such as a lawyer or independent adjuster, to advocate for your interests in the settlement process.