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Thursday, 15 September 2011

What NOT To Do After an Accident

In past posts of the Insurance Expert blog, we have gone through what you should do after getting into a car accident and how you can make the claim process as simple as possible. We have not, however, discussed the things you should avoid! In this post, we will go through what NOT to do after an accident.

1. Do not admit fault
Even if you think you caused the accident, do not admit fault at any point. It's possible the other driver made some mistakes which contributed to the accident, and it's best to leave deciding fault to the insurance adjuster and police officer. You must always be honest with the police officer about the facts, but do not expressly admit fault.

2. Do not have major repairs done without first talking to your insurance company
Before you authorize any major work on your car, be sure to call up your insurance company. They often have special arrangements with repair shops and it may be in your interest to go there rather than an unaffiliated repair shop.

3. Do not accept an offer of payment for damage
It is often common in minor collisions for another driver to offer compensation for the accident so that both parties can avoid making a claim. This can be risky, especially if the other driver is at fault; in such a case, a cash payment may not be in your best interest.

4. Do not leave your car in traffic
Leaving your car in the middle of the road could cause another accident. If nobody is injured, you should  move your car to the shoulder and call the police and your insurance company from there.

5. Do not start an argument
Car accidents tend to bring out the worst in people. Be the more mature adult and remain calm. Even if the accident is the other drivers', it serves no purpose to argue about it!

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