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 aspossible. 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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