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After a Car Accident: First Steps
Would you know what to do if you were driving and hit another vehicle? A pedestrian? When a car accident happens,
injuries may be severe and emotions may be high. However, there are important things that must be taken care of both at
the scene of any accident and soon afterward.
Below is a list of things that should be done, if at all possible, when any automobile accident occurs.
Keep this information handy by printing out this helpful pamphlet on first steps after an auto accident , and storing it in
your glove compar tment. It has itemized steps you can check off, as well as an area where you can clearly fill out relevant
information after a wreck.
Stay at the Scene
The cardinal rule for all car accidents is that you should never leave the scene until it is appropriate to do so. If you leave
the scene of an accident, particularly where someone has sustained injuries or was killed, you can face serious criminal
penalties for being a "hit-and-run" driver.
Exception:If you are hit by another car in a deserted area, use caution in stopping and getting out of your vehicle. Unfortunately, there have been reported incidents where a person exited their vehicle in a deserted or unsafe area after being
bumped by another car only to be robbed or killed. Instead of getting out of the car if you find yourself in that situation,
drive to the nearest police station to report the accident. If it turns out that you were being over-cautious and the other
driver had no ill intentions, you may be embarrassed, but you will also be safe.
Check on All Drivers and Passengers
Before assessing property damage, check to make sure that everyone else involved in the accident is okay. Get medical
attention for anyone who may need it. If a person is unconscious or complains of neck or back pain, it is best not to move
them until qualified medical personnel arrive. In some situations, for example if an injured person is lying in a pool of gas
that you fear may ignite at any time, you may have no choice but to move them. If you are in that type of situation, try to
move them as steadily and slowly as possible while supporting their neck and back. The less movement, the better.
Call the Police
Especially if the accident involves significant property damage, physical injury, or death, you may need to call the police.
Ask that a police report be filed in situations where law enforcement officers do arrive at the scene, and obtain the name
and badge numbers of any responding officers.
Exchange Information
Talk to the drivers of any other vehicles involved in the accident. Get their names, phone numbers, addresses, drivers’
license numbers, license plate numbers, and basic insurance information. If there are passengers in any of the vehicles,
obtain their names, telephone numbers, and addresses as well. In talking to drivers of other vehicles, you should try to be
cordial and cooperative in determining that everyone is okay and in exchanging basic information.
However, do not apologize for anything at the scene. If you jump out of your car and blur t out, "I’m so sorry I ran that
red light! Is everyone okay?" you may back yourself into a corner in terms of legal liability for what happened. Immediately
after an accident, the scene is chaotic and it might not be evident who was at fault, or who was more at fault, in causing
the accident. Moreover, in many states, fault is not determinative of which insurer will pay for any loss. Therefore, try to
keep your conscience in check, at least until things get sorted out, so that you don’t admit guilt unintentionally or unnecessarily.
Talk to Witnesses
Ask every witness what he or she saw. Get their names, telephone numbers or addresses, if possible. Whether the witnesses are residents of the area, businesspeople that work nearby, or passersby who were in the vicinity, try to talk to as
many people as you can. Ask them, in particular, if they have ever witnessed other accidents in the same place. If a witness is hesitant to talk to you, don’t beg or threaten them. Forcing information from someone will get you nowhere. Write
down what they tell you and, if they agree, simply get their name and phone number so that you, your attorney, the insurance company, or the court can contact them again.
Inform Your Insurance Company
As soon as possible, tell your insurance company that you have been involved in an accident. Cooperate with your insurance company and tell them the truth about what happened and the extent of your injuries. If the insurance company finds
out that you have lied to them about anything, you can get into serious trouble, not the least of which may be the denial of
any coverage for the accident. Build support for your case when discussing the matter with your insurance company. Be
able to explain to them the facts of the case in a clear manner. Obtain and review a copy of any police report, so that you
can point out to the insurance company who broke what traffic laws or who was at fault for the accident. Such information
will often be provided in the report. Although the insurance company may already know the facts of your case, taking an
active interest in making sure your rights are protected will force the insurance company to take you seriously.
Keep Track of Your Medical Treatment
Note any doctors, physical therapists, chiropractors, or other medical professionals that you receive treatment from, and
each medical provider that referred you to other caregivers. Having a written diary of this information will help you itemize
your medical expenses and treatment for your insurer, your attorney, and the court.
Take Pictures
Take photographs of any damage to your vehicle as soon as possible after the accident. Having photographic proof will
help your insurance adjuster determine how much you should be compensated for the damages to your car, and may also
assist your case in court, if needed. If you have pictures of your car from before the accident, these pictures will offer a
great "compare and contrast" to show the true extent of the damage sustained in the accident.
Get a Property Damage Valuation
Obtain a valuation for damages to your car from your insurance company. If you are not satisfied with the manner in which
your insurance company has valued your vehicle, do not give up. Get two estimates for the repair of your car on your own,
or have two dealers provide a quote for the cost of replacing your vehicle if there was a total loss. Communicate to the
adjuster your concerns and position, and be assertive. If you cannot agree on the value of your car, consider alternative
dispute resolution, or consult an attorney.
Use Caution in Discussing the Incident
Do not talk to anyone about the accident other than your attorney, your insurance company, and the police. Do not talk to a
representative of another insurance company under any circumstances, without the knowledge of your attorney or your
insurance company. If representatives from other insurance companies should call you, be polite, but ask them to call your
attorney or insurance company to arrange for an interview. Also, get the representative’s name and number, and tell your
insurance company or attorney that someone seeking information about your accident contacted you.
Be Wary of Early Settlement Offers
Be careful if you are offered a settlement from an insurance company. Make sure that any physical injuries you may have
suffered have been treated, and that you have a doctor’s prognosis. Some injuries may not show up or reach their greatest
level of discomfor t until many days, weeks, or months after the accident. Don’t settle a claim until you know you will be
compensated for all of your injuries, and consult an attorney before signing any documents pertaining to settlement.
See also:
•
From the Personal Injury section
•
Do’s and Don’ts After an Accident or Injury
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