Sunday, 6 November 2011

What To Do After an Accident

When you've been in an accident, you're often flustered and unsure of what to do. You may feel overwhelmed with the prospect of making a claim and finding a new ride to work! To help you navigate this process, we've created a list of things to do after you've been in an accident.
  • Stay Calm. The worst thing you can do is lose your temper. The accident may have been entirely the fault of the other driver, but nothing gets solved by raising your voice and getting upset. 
  • Safety First. Before you do anything, be sure that nobody is hurt. If someone looks like they need medical attention, call emergency services right away. 
  • Move Your Car. After you've determined whether everyone is safe, you should proceed to move your vehicle off the road to avoid any further accidents from happening! If the vehicle is too badly damaged, you will have to call a tow-truck. Be sure to call your insurance company before doing so, however, since they may have special deals with towing companies. 
  • Call the Police. If damage to the vehicles is serious, you should call the police. They will file a report and make a determination of fault at the scene. Be sure to answer all the police officer's questions, but do not make any admission of guilt. Fault will be determined by them and the insurance adjuster. 
  • Document the Scene. Use your cell phone camera, if you have one handy, to take photos of the scene. Write down the names and phone numbers of witnesses, record the time of the accident, and be sure to make note of anything else you think is important. If you're with Sharp Insurance, you can use the handy iPhone claim app, available here.  
  • Call Your Insurance Agent. Your insurance agent or broker can tell you the next steps from here in terms of making a claim and getting a temporary vehicle. They can also put you in contact with their preferred towing company if you require towing services. 
Taking into account these steps will ensure that you make a proper claim. Remember that accidents happen to people all the time and it's just one of those facts of life. Provided you have a good insurance policy, you will likely be given a temporary vehicle and will be able to get to work without problems.