A car accident is a stressful situation which always makes people forget details that prevent them from getting full financial reimbursements from the insurance companies. No one can prepare you for an accident but you can definitely stand prepared for the procedures following the accident. Here are some guidelines to help you in your case:
An accident is enough for one day. Therefore, avoid any other potential accidents caused by your car sitting in the middle of the road. Make sure you move your car in safety conditions and after you have fully documented the accident.
Document the Accident
Take pictures, exchange contact information with those at the scene of the accident, make sketches of the accident, and so on. Make sure you photograph each side of the car and any damage to any other car involved. Get contact information from possible witnesses as well.
Report the Accident
Although the law says you may not report minor accidents, it is always better to file an accident report at the police station. If the accident is more serious, you have to wait for the police to arrive at the scene of the accident. It may also be a good idea to get in touch with a legal representative like Barristers Stobart if you think a driving offense was the cause of the accident.
Check Your Insurance
While waiting you can take a look at your insurance policy and see what it includes, what are the exclusions, and their relevancy to your current situation, check limits and deductibles, and make a list of questions to ask your insurer.
Inform The Insurance Company
You must contact your insurance provider as soon as you can by phone before you actually get there. Make the arrangements to meet with them, establish the location, and ask all relevant questions to your accident.
Make Sure Your Car Is Properly Repaired
Check estimate repair costs from at least three repair shops which have an agreement with the insurance company. Check their reputation and clients reviews. Also, inspect your car after it has been repaired and make sure that everything was indeed repaired.