Finding yourself in the middle of a car accident can be a hassle, especially when it is not your fault. In addition, it can also be very traumatic if the damage or injury is severe. It is very normal to get disoriented after an accident, so it is vital to keep in mind the most important things you should do. Following are the helpful tips for you when you suffer a car accident in the absence of your fault.
Call The Police
It is imperative to call the police even if the accident is not your fault. Even if the accident is just a minor one and the damage is minimal, it is still necessary to report it to the authorities. A police report is necessary to prove that the accident is not your fault. It will also help in holding the other driver accountable for the damages caused by accident.
There are instances when the other party will try to persuade you not to involve the police and settle the damages. This can be very risky because, without a police report, there is no written proof that the other driver is at fault and that he should pay for the damages. A police report is also critical in filing an insurance claim.
Get The Important Information
It is necessary to secure a few essential details to help in processing the insurance claim after getting involved in a car accident.
First, you should get the name, contact number, and address of the other number. The second is the insurance policy information of the other party. The third is the model and color of the other car. It is also helpful to list down the names and contact information of the individuals who have witnessed the accident. This information can be beneficial if there is an investigation later on. Once the police arrive on the scene, it is also necessary that you list down the officer’s name, contact information, and badge number.
While gathering the information from the other driver, you must remain calm and objective. As much as possible, do not get confrontational even if the other party is at fault. Wait for the police to decide on who is at fault. Lastly, it is also essential to take photos of the accident from all angles for proper documentation.
Seek Medical Help
Seeking medical help is very crucial after an accident. If the accident has caused severe injuries to you, the other driver, or any passengers, then call an ambulance right away. For minor accidents, it is still necessary to visit your doctor for a complete check-up. There are instances when the pain or injury only manifests a few hours after the accident. Examples of these delayed injuries are spinal damage, whiplash, and concussions. A thorough medical check-up is also needed to rule out internal bleeding.
Some medical professionals specialize in the treatment and diagnosis of vehicular accident injuries. They will be the ones who can properly diagnose any possible injuries you may have incurred from the accident. If left untreated, these injuries could be life-threatening or cause permanent damage.
Call Your Insurance Company
Even if you are not at fault, calling your insurance company and informing them about the accident is still necessary. You can ask them about the coverage they can provide if the other driver does not have insurance. Your insurance company can also inform you about personal injury, damage, and medical coverage.
They can also make the necessary arrangements to demand compensation from the insurance company of the other driver. You no longer have to worry about contacting or processing your claim from the other driver’s insurance company. The insurance of the driver at fault will pay compensation for the damages and medical expenses.